BlastPoint's Banking Scorecard
Bank of Lincoln County
Micro
Specialty: Commercial
TN
FDIC cert 57396
Designations: ✓ Community bank
Fayetteville, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Bank of Lincoln County demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.20% above tier
- + 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 ? |
$220.4M
+1.1% YoY
-1.4% QoQ
|
+$2.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$163.0M
-2.9% YoY
-1.5% QoQ
|
+$23.9M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$191.0M
+0.0% YoY
-1.3% QoQ
|
+$7.3M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.79%
+6.4% YoY
+3.9% QoQ
|
+0.70% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
5.05%
+5.8% YoY
+1.5% QoQ
|
+1.20% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
52.92%
-2.0% YoY
-2.4% QoQ
|
-14.81% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
85% |
| 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 ? |
85.37%
-3.0% YoY
-0.1% QoQ
|
+10.85% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.30%
-36.9% YoY
-36.1% QoQ
|
-0.09% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
53% |
| 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 ? |
0.45%
+2.8% YoY
+34.2% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.05%
(Tier avg: 3.85%, National avg: 3.75%)
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%
91
91th pctile
Net Interest Margin
Current: 5.05% · Tier avg: 3.85%
85
85th pctile
Efficiency Ratio
Current: 52.92% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
64
64th pctile
Total Loans
Current: $163.0M · Tier avg: $139.2M
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
57
57th pctile
Total Deposits
Current: $191.0M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $220.4M · Tier avg: $217.5M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.30% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.37% · Tier avg: 74.53%
Top Weaknesses
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.37% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.30% · Tier avg: 22.39%
56
56th pctile
Total Assets
Current: $220.4M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $191.0M · Tier avg: $183.7M
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
64
64th pctile
Total Loans
Current: $163.0M · Tier avg: $139.2M
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
85
85th pctile
Efficiency Ratio
Current: 52.92% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.05% · Tier avg: 3.85%
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%