BlastPoint's Banking Scorecard
TriStar Bank
Community
Specialty: Commercial
TN
FDIC cert 35417
Dickson, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
TriStar Bank 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
- - NIB Deposit Bleed: Bottom 66% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$539.5M
+9.5% YoY
+2.7% QoQ
|
-$851.9M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$380.1M
+5.4% YoY
+2.8% QoQ
|
-$595.4M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$459.7M
+13.0% YoY
+3.3% QoQ
|
-$704.9M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.82%
+8.7% YoY
-0.5% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.74%
+5.0% YoY
-0.5% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
73.33%
+1.6% YoY
-0.6% QoQ
|
+10.70% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.57%
-6.8% QoQ
|
-0.06% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
82.69%
-6.7% YoY
-0.4% QoQ
|
-0.38% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
12.59%
-14.5% YoY
-13.7% QoQ
|
-8.45% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.59%
-5.4% QoQ
|
+0.09% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
12.12%
+1.6% YoY
-2.1% QoQ
|
+1.87% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.50%
-34.8% YoY
+30.4% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#59 of 89 · Bottom 66% 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:
12.59%
(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
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.69% · Tier avg: 83.06%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.12% · Tier avg: 10.24%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.33% · Tier avg: 62.63%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.59% · Tier avg: 21.05%
12
12th pctile
Total Loans
Current: $380.1M · Tier avg: $975.5M
7
7th pctile
Total Deposits
Current: $459.7M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $539.5M · Tier avg: $1.4B
Top Weaknesses
6
6th pctile
Total Assets
Current: $539.5M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $459.7M · Tier avg: $1.2B
12
12th pctile
Total Loans
Current: $380.1M · Tier avg: $975.5M
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.59% · Tier avg: 21.05%
20
20th pctile
Efficiency Ratio
Current: 73.33% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.12% · Tier avg: 10.24%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.69% · Tier avg: 83.06%