BlastPoint's Banking Scorecard
Central Bank
Micro
Specialty: Commercial
TN
FDIC cert 31545
Designations: ✓ Community bank
Savannah, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Central Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.1M
+13.0% YoY
+5.2% QoQ
|
-$64.4M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$103.1M
+21.8% YoY
+7.3% QoQ
|
-$36.1M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$134.4M
+13.1% YoY
+5.5% QoQ
|
-$49.3M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.83%
-8.9% YoY
+4.7% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.14%
+2.1% YoY
-0.4% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
76.51%
+2.9% YoY
-1.4% QoQ
|
+8.79% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.09%
+119.0% YoY
-10.5% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
76.71%
+7.7% YoY
+1.6% QoQ
|
+2.18% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
34.95%
-8.3% YoY
-2.8% QoQ
|
+12.55% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+135.9% YoY
-8.8% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
20.74%
-8.7% YoY
-4.2% QoQ
|
+11.89% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.82%
-19.0% YoY
+27.9% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.95% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 8.85%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.71% · Tier avg: 74.53%
44
44th pctile
Total Loans
Current: $103.1M · Tier avg: $139.2M
41
41th pctile
Total Deposits
Current: $134.4M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $153.1M · Tier avg: $217.5M
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.51% · Tier avg: 67.73%
Top Weaknesses
26
26th pctile
Efficiency Ratio
Current: 76.51% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
39
39th pctile
Total Assets
Current: $153.1M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $134.4M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $103.1M · Tier avg: $139.2M
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.71% · Tier avg: 74.53%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.95% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%