BlastPoint's Banking Scorecard
Financial Federal Bank
Community
Specialty: Commercial
TN
FDIC cert 31840
Memphis, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Financial Federal Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 36.50% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12% in Community
- - Capital Thin: Bottom 34% in Community
- - Net Interest Margin 1.40% below tier
- - Non-Interest-Bearing Deposit Share 18.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.2% YoY
+0.2% QoQ
|
-$294.6M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$1.0B
+3.0% YoY
+0.5% QoQ
|
+$69.1M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$873.7M
+9.7% YoY
+3.9% QoQ
|
-$290.9M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.73%
+132.5% YoY
-11.4% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.26%
+31.7% YoY
+3.5% QoQ
|
-1.40% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
62.92%
-23.6% YoY
+7.3% QoQ
|
+0.29% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.23%
+146.0% YoY
-55.9% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
119.56%
-6.1% YoY
-3.2% QoQ
|
+36.50% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.68%
-10.6% YoY
-10.2% QoQ
|
-18.37% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+145.5% YoY
-55.7% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
+3.5% YoY
+41.3% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
119.56%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Credit Risk Growth
risk
#75 of 642 · Bottom 12% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#148 of 432 · Bottom 34% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.26%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.68%
(Tier avg: 21.05%, National avg: 21.79%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 119.56% · Tier avg: 83.06%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
67
67th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $873.7M · Tier avg: $1.2B
48
48th pctile
Efficiency Ratio
Current: 62.92% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.68% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.68% · Tier avg: 21.05%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Efficiency Ratio
Current: 62.92% · Tier avg: 62.63%
52
52th pctile
Total Deposits
Current: $873.7M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
99
99th pctile
Loan-to-Deposit Ratio
Current: 119.56% · Tier avg: 83.06%