BlastPoint's Banking Scorecard
Peoples Bank of the South
Micro
Specialty: Commercial
TN
FDIC cert 4945
Designations: ✓ Community bank
La Follette, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Peoples Bank of the South has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.60% above tier
- + Net Interest Margin 1.68% above tier
- + Efficiency Ratio 19.33% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.06% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.4M
+2.6% YoY
+0.7% QoQ
|
+$9.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$193.7M
+9.9% YoY
+2.6% QoQ
|
+$54.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$185.2M
+2.0% YoY
-2.4% QoQ
|
+$1.5M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
2.68%
+13.1% YoY
-3.1% QoQ
|
+1.60% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.53%
+9.6% YoY
+1.7% QoQ
|
+1.68% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
48.40%
-3.5% YoY
+5.3% QoQ
|
-19.33% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.53%
-43.7% YoY
-24.0% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
104.59%
+7.8% YoY
+5.2% QoQ
|
+30.06% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.53%
+1.1% YoY
-3.5% QoQ
|
+6.14% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.46%
-39.7% YoY
-22.6% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
15.52%
+0.2% YoY
-12.9% QoQ
|
+6.67% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.23%
+1.7% YoY
+31.4% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.53%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.40%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.59%
(Tier avg: 74.53%, National avg: 78.04%)
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
97
97th pctile
Return on Assets
Current: 2.68% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.53% · Tier avg: 3.85%
92
92th pctile
Efficiency Ratio
Current: 48.40% · Tier avg: 67.73%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.53% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
72
72th pctile
Total Loans
Current: $193.7M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $227.4M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $185.2M · Tier avg: $183.7M
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.59% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.59% · Tier avg: 74.53%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
56
56th pctile
Total Deposits
Current: $185.2M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $227.4M · Tier avg: $217.5M
72
72th pctile
Total Loans
Current: $193.7M · Tier avg: $139.2M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.53% · Tier avg: 22.39%
92
92th pctile
Efficiency Ratio
Current: 48.40% · Tier avg: 67.73%
96
96th pctile
Net Interest Margin
Current: 5.53% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.68% · Tier avg: 1.08%