BlastPoint's Banking Scorecard
The First National Bank of Middle Tennessee
Community
Specialty: Commercial
TN
FDIC cert 4952
Mcminnville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
The First National Bank of Middle Tennessee 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
- - Credit Risk Growth: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$937.7M
+4.8% YoY
+1.1% QoQ
|
-$453.8M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$725.4M
+5.3% YoY
+0.7% QoQ
|
-$250.1M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$827.8M
+5.0% YoY
+1.5% QoQ
|
-$336.8M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.78%
+12.4% YoY
+3.0% QoQ
|
-0.39% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.22%
+8.5% YoY
+2.5% QoQ
|
-0.44% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
72.46%
-3.9% YoY
-1.3% QoQ
|
+9.83% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.06%
+56.7% YoY
-8.8% QoQ
|
+0.43% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
87.63%
+0.3% YoY
-0.8% QoQ
|
+4.57% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
15.61%
+7.7% YoY
-3.1% QoQ
|
-5.44% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.82%
+35.8% YoY
-9.1% QoQ
|
+0.32% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.90%
-1.9% YoY
-4.8% QoQ
|
+4.66% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.80%
-1.1% YoY
+32.3% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#273 of 642 · Bottom 42% 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
|
QoQ rank improving
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
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 10.24%
51
51th pctile
Total Loans
Current: $725.4M · Tier avg: $975.5M
49
49th pctile
Total Deposits
Current: $827.8M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $937.7M · Tier avg: $1.4B
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.63% · Tier avg: 83.06%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.61% · Tier avg: 21.05%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.46% · Tier avg: 62.63%
Top Weaknesses
22
22th pctile
Efficiency Ratio
Current: 72.46% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
24
24th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.61% · Tier avg: 21.05%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.63% · Tier avg: 83.06%
45
45th pctile
Total Assets
Current: $937.7M · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $827.8M · Tier avg: $1.2B
51
51th pctile
Total Loans
Current: $725.4M · Tier avg: $975.5M
76
76th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 10.24%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%