BlastPoint's Banking Scorecard
Independent Bank
Community
Specialty: Other
TN
FDIC cert 34728
Memphis, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Independent Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
- - Credit Risk Growth: Bottom 23% in Community
- - NIB Deposit Bleed: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+7.2% YoY
+1.5% QoQ
|
+$363.6M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.3B
+6.1% YoY
+0.4% QoQ
|
+$320.4M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.5B
+11.1% YoY
+1.7% QoQ
|
+$308.2M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.23%
+0.9% YoY
+0.5% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.52%
+0.5% YoY
+0.8% QoQ
|
+0.85% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
60.92%
-5.9% YoY
+0.2% QoQ
|
-1.72% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.25%
+26.8% YoY
-7.7% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
87.99%
-4.5% YoY
-1.2% QoQ
|
+4.93% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
13.39%
-19.4% YoY
+2.2% QoQ
|
-7.66% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.71%
+37.0% YoY
+8.9% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
10.45%
-0.0% YoY
+2.2% QoQ
|
+0.21% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
1.51%
+26.9% YoY
+32.4% QoQ
|
+0.77% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#113 of 371 · Top 30% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.51%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.23%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#150 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#147 of 642 · Bottom 23% 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
NIB Deposit Bleed
decline
#31 of 89 · Bottom 34% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.39%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.51% · Tier avg: 0.74%
87
87th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.66%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
59
59th pctile
Loan-to-Deposit Ratio
Current: 87.99% · Tier avg: 83.06%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
54
54th pctile
Efficiency Ratio
Current: 60.92% · Tier avg: 62.63%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.45% · Tier avg: 10.24%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.39% · Tier avg: 21.05%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.39% · Tier avg: 21.05%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.45% · Tier avg: 10.24%
54
54th pctile
Efficiency Ratio
Current: 60.92% · Tier avg: 62.63%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
59
59th pctile
Loan-to-Deposit Ratio
Current: 87.99% · Tier avg: 83.06%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
87
87th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.66%
93
93th pctile
Non-Interest Income / Assets
Current: 1.51% · Tier avg: 0.74%