BlastPoint's Banking Scorecard

SmartBank

Mid-Market Specialty: Commercial TN FDIC cert 58463

Pigeon Forge, TN

201 banks in Mid-Market tier nationally 3 in TN

View Mid-Market leaderboard (TN) →

SmartBank has 1 strength but faces 1 concern

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 29% in Mid-Market

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8% in Mid-Market

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$5.9B +11.0% YoY +1.3% QoQ	-$4.6B	$10.5B +2.9% YoY	$2.2B +7.1% YoY	$5.9B +6.5% YoY	17%
Total Loans ?	$4.3B +11.8% YoY +3.3% QoQ	-$2.8B	$7.1B +4.5% YoY	$1.6B +8.0% YoY	$3.1B +8.5% YoY	25%
Total Deposits ?	$5.2B +10.1% YoY +1.1% QoQ	-$3.4B	$8.5B +3.0% YoY	$1.9B +7.5% YoY	$4.7B +6.3% YoY	22%
Return on Assets ?	1.00% +24.1% YoY +2.4% QoQ	-0.17%	1.16% +9.4% YoY	1.12% +10.3% YoY	1.12% +15.6% YoY	38%
Net Interest Margin ?	3.36% +7.6% YoY +1.8% QoQ	-0.03%	3.40% +7.9% YoY	3.88% +7.5% YoY	3.75% +7.1% YoY	41%
Efficiency Ratio ?	60.94% -9.1% YoY -2.0% QoQ	+4.33%	56.60% -3.2% YoY	65.37% -3.6% YoY	65.09% -5.1% YoY	32%
Delinquency Rate ?	0.22% +9.1% YoY -8.0% QoQ	-0.46%	0.68% +12.0% YoY	0.47% -3.0% YoY	0.66% +20.3% YoY	82%
Loan-to-Deposit Ratio ?	83.95% +1.6% YoY +2.2% QoQ	-1.52%	85.47% +1.1% YoY	80.28% +1.8% YoY	78.04% +0.7% YoY	59%
Non-Interest-Bearing Deposit Share ?	20.77% +0.5% YoY +7.6% QoQ	+0.13%	20.64% -0.3% YoY	18.56% -3.5% YoY	21.79% -1.3% YoY	47%
Nonperforming Asset Ratio ?	0.16% +7.4% YoY -6.2% QoQ	-0.33%	0.50% +7.3% YoY	0.45% +14.3% YoY	0.48% +20.8% YoY	80%
Tier 1 Capital Ratio ?	11.51% +9.5% YoY -0.5% QoQ	-2.04%	13.55% +1.8% YoY	10.10% +3.0% YoY	9.75% -1.9% YoY	21%
Non-Interest Income / Assets ?	0.65% -0.1% YoY +26.0% QoQ	-0.31%	0.96% +7.1% YoY	0.72% -2.8% YoY	0.65% +0.6% YoY	46%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#15 of 50 · Top 29% in Mid-Market

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.68%, National: 0.66%)

better than tier avg

50 of 50 Mid-Market banks match · 443 nationally

→ Stable +6 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#10 of 113 · Bottom 8% in Mid-Market

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.68%, National: 0.66%)

better than tier avg

113 of 113 Mid-Market banks match · 961 nationally

→ Stable +22 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%

Compare against:

Comparing against 201 peers in Mid-Market tier

Top Strengths

Delinquency Rate

Current: 0.22% · Tier avg: 0.68%

82th pctile

Nonperforming Asset Ratio

Current: 0.16% · Tier avg: 0.50%

80th pctile

Loan-to-Deposit Ratio

Current: 83.95% · Tier avg: 85.47%

59th pctile

Non-Interest-Bearing Deposit Share

Current: 20.77% · Tier avg: 20.64%

47th pctile

Non-Interest Income / Assets

Current: 0.65% · Tier avg: 0.96%

46th pctile

Net Interest Margin

Current: 3.36% · Tier avg: 3.40%

41th pctile

Return on Assets

Current: 1.00% · Tier avg: 1.16%

38th pctile

Efficiency Ratio

Current: 60.94% · Tier avg: 56.60%

32th pctile

Total Loans

Current: $4.3B · Tier avg: $7.1B

25th pctile

Total Deposits

Current: $5.2B · Tier avg: $8.5B

22th pctile

Tier 1 Capital Ratio

Current: 11.51% · Tier avg: 13.55%

21th pctile

Total Assets

Current: $5.9B · Tier avg: $10.5B

17th pctile

Top Weaknesses