BlastPoint's Banking Scorecard
Truxton Trust Company
Community
Specialty: Commercial
TN
FDIC cert 57825
Nashville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Truxton Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 11% in Community
- + Credit Quality Leader: Top 43% in Community
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - NIB Deposit Bleed: Bottom 3% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+43.0% YoY
+7.8% QoQ
|
+$23.5M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$806.1M
+21.5% YoY
+13.0% QoQ
|
-$169.3M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$1.2B
+43.3% YoY
+7.1% QoQ
|
+$77.0M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.76%
-8.1% YoY
-3.3% QoQ
|
+0.59% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
2.94%
+1.4% YoY
+0.1% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
50.53%
-0.6% YoY
-1.4% QoQ
|
-12.10% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.01%
+678.2% YoY
-15.5% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
64.93%
-15.2% YoY
+5.4% QoQ
|
-18.14% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.59%
-38.3% YoY
+0.1% QoQ
|
-9.46% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+561.2% YoY
-11.5% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
12.93%
-13.1% YoY
-3.2% QoQ
|
+2.69% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.72%
-22.3% YoY
+23.7% QoQ
|
+0.99% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#40 of 371 · Top 11% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.72%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Credit Quality Leader
growth
#161 of 371 · Top 43% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 6%
in Community
Non-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#7 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#4 of 89 · Bottom 3% 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:
11.59%
(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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.93% · Tier avg: 83.06%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
82
82th pctile
Efficiency Ratio
Current: 50.53% · Tier avg: 62.63%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
58
58th pctile
Total Loans
Current: $806.1M · Tier avg: $975.5M
57
57th pctile
Tier 1 Capital Ratio
Current: 12.93% · Tier avg: 10.24%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.59% · Tier avg: 21.05%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.59% · Tier avg: 21.05%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.93% · Tier avg: 10.24%
58
58th pctile
Total Loans
Current: $806.1M · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
82
82th pctile
Efficiency Ratio
Current: 50.53% · Tier avg: 62.63%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.93% · Tier avg: 83.06%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%