BlastPoint's Banking Scorecard
TNBANK
Micro
Specialty: Commercial
TN
FDIC cert 34023
Designations: ✓ Community bank
Oak Ridge, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
TNBANK faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.87% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$301.5M
+4.6% YoY
-0.1% QoQ
|
+$84.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$222.5M
+4.9% YoY
+2.1% QoQ
|
+$83.4M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$258.8M
+3.5% YoY
-1.2% QoQ
|
+$75.2M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.08%
+12.9% YoY
-5.2% QoQ
|
0 |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
4.26%
+5.5% YoY
-0.4% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
67.33%
+3.3% YoY
+0.8% QoQ
|
-0.40% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
1.43%
-18.6% YoY
-0.8% QoQ
|
+0.79% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
85.98%
+1.4% YoY
+3.3% QoQ
|
+11.45% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
7.53%
-1.9% YoY
-9.8% QoQ
|
-14.87% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
1.05%
-18.4% YoY
+1.4% QoQ
|
+0.60% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.84%
+5.7% YoY
+2.1% QoQ
|
+3.99% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.26%
+25.6% YoY
+29.6% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.53%
(Tier avg: 22.39%, 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
79
79th pctile
Total Loans
Current: $222.5M · Tier avg: $139.2M
73
73th pctile
Total Deposits
Current: $258.8M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $301.5M · Tier avg: $217.5M
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
47
47th pctile
Efficiency Ratio
Current: 67.33% · Tier avg: 67.73%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.98% · Tier avg: 74.53%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.45%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.53% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.53% · Tier avg: 22.39%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.98% · Tier avg: 74.53%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
47
47th pctile
Efficiency Ratio
Current: 67.33% · Tier avg: 67.73%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 8.85%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
72
72th pctile
Total Assets
Current: $301.5M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $258.8M · Tier avg: $183.7M
79
79th pctile
Total Loans
Current: $222.5M · Tier avg: $139.2M