BlastPoint's Banking Scorecard
Traditions First Bank
Micro
Specialty: Commercial
TN
FDIC cert 57092
Designations: ✓ Community bank
Erin, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Traditions First Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$322.6M
+2.2% YoY
-1.7% QoQ
|
+$105.2M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$252.2M
+6.4% YoY
+5.1% QoQ
|
+$113.0M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$285.1M
+2.1% YoY
-1.9% QoQ
|
+$101.5M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.82%
+7.7% YoY
-0.2% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.69%
+6.1% YoY
+1.9% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
69.54%
-1.3% YoY
-1.0% QoQ
|
+1.81% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
88.45%
+4.2% YoY
+7.1% QoQ
|
+13.92% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
15.85%
+1.4% YoY
-2.1% QoQ
|
-6.54% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
-25.4% YoY
+18.3% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
85
85th pctile
Total Loans
Current: $252.2M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $285.1M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $322.6M · Tier avg: $217.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.45% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
41
41th pctile
Efficiency Ratio
Current: 69.54% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.85% · Tier avg: 22.39%
Top Weaknesses
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.85% · Tier avg: 22.39%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
41
41th pctile
Efficiency Ratio
Current: 69.54% · Tier avg: 67.73%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.45% · Tier avg: 74.53%
76
76th pctile
Total Assets
Current: $322.6M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $285.1M · Tier avg: $183.7M
85
85th pctile
Total Loans
Current: $252.2M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%