BlastPoint's Banking Scorecard
First Freedom Bank
Community
Specialty: Commercial
TN
FDIC cert 58208
Lebanon, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First Freedom Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13% in Community
- - Capital Thin: Bottom 20% in Community
- - Credit Risk Growth: Bottom 39% in Community
- - Deposit Outflow: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$777.4M
+1.0% YoY
+6.1% QoQ
|
-$614.1M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$641.9M
+9.1% YoY
+5.2% QoQ
|
-$333.6M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$666.1M
-2.4% YoY
+6.9% QoQ
|
-$498.5M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.47%
+4.4% YoY
+3.0% QoQ
|
+0.31% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.91%
+3.6% YoY
+1.4% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
49.54%
-5.8% YoY
-2.1% QoQ
|
-13.09% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.09%
+319.9% YoY
-8.2% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
96.37%
+11.8% YoY
-1.6% QoQ
|
+13.30% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
10.75%
-3.8% YoY
-8.1% QoQ
|
-10.30% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+353.7% YoY
-9.0% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.27%
-0.7% YoY
+25.1% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#39 of 371 · Top 10% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#106 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#89 of 432 · Bottom 20% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#252 of 642 · Bottom 39% 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 declining
Deposit Outflow
decline
#102 of 248 · Bottom 41% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 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
85
85th pctile
Efficiency Ratio
Current: 49.54% · Tier avg: 62.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
45
45th pctile
Total Loans
Current: $641.9M · Tier avg: $975.5M
35
35th pctile
Total Deposits
Current: $666.1M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $777.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.37% · Tier avg: 83.06%
18
18th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.75% · Tier avg: 21.05%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.75% · Tier avg: 21.05%
18
18th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.37% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $777.4M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $666.1M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $641.9M · Tier avg: $975.5M
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Efficiency Ratio
Current: 49.54% · Tier avg: 62.63%