BlastPoint's Banking Scorecard
The Bank of Milan
Micro
Specialty: Other
TN
FDIC cert 33851
Designations: ✓ Community bank
Milan, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
The Bank of Milan demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.70% above tier
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 ? |
$111.7M
+3.4% YoY
-4.3% QoQ
|
-$105.8M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$54.7M
-2.6% YoY
-4.5% QoQ
|
-$84.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$98.5M
+0.1% YoY
-5.5% QoQ
|
-$85.2M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.81%
+85.0% YoY
+59.0% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.08%
+4.5% YoY
+0.4% QoQ
|
-0.77% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
51.82%
-23.5% YoY
-18.2% QoQ
|
-15.90% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
55.52%
-2.8% YoY
+1.0% QoQ
|
-19.01% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
20.03%
-0.1% YoY
+3.5% QoQ
|
-2.37% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.22%
+7.4% YoY
-2.5% QoQ
|
+6.37% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.26%
+202.9% YoY
+343.7% QoQ
|
+0.70% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.26%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.56%
87
87th pctile
Efficiency Ratio
Current: 51.82% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.22% · Tier avg: 8.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.03% · Tier avg: 22.39%
28
28th pctile
Total Deposits
Current: $98.5M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.7M · Tier avg: $217.5M
22
22th pctile
Total Loans
Current: $54.7M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.52% · Tier avg: 74.53%
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
Top Weaknesses
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.52% · Tier avg: 74.53%
22
22th pctile
Total Loans
Current: $54.7M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $111.7M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.5M · Tier avg: $183.7M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.03% · Tier avg: 22.39%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.22% · Tier avg: 8.85%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.82% · Tier avg: 67.73%
95
95th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%