BlastPoint's Banking Scorecard
Lineage Bank
Micro
Specialty: Commercial
TN
FDIC cert 6100
Designations: ✓ Community bank
Franklin, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Lineage Bank has 2 strengths but faces 3 concerns
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
- - Return on Assets 5.19% below tier
- - Net Interest Margin 1.89% below tier
- - Non-Interest-Bearing Deposit Share 15.92% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.5M
-26.6% YoY
-9.9% QoQ
|
-$54.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$106.8M
-8.0% YoY
-4.1% QoQ
|
-$32.4M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$154.3M
-24.1% YoY
-10.1% QoQ
|
-$29.3M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
-4.10%
-101.5% YoY
+8.5% QoQ
|
-5.19% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.97%
-26.5% YoY
+4.4% QoQ
|
-1.89% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
236.29%
+42.0% YoY
-11.0% QoQ
|
+168.56% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
69.17%
+21.3% YoY
+6.7% QoQ
|
-5.36% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
6.48%
-27.7% YoY
-14.1% QoQ
|
-15.92% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
8.88%
-40.9% YoY
-7.3% QoQ
|
+0.03% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
-38.0% YoY
+281.4% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
64% |
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 (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-4.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.97%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.48%
(Tier avg: 22.39%, National avg: 21.79%)
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%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.17% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 8.88% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $154.3M · Tier avg: $183.7M
45
45th pctile
Total Loans
Current: $106.8M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $163.5M · Tier avg: $217.5M
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.48% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 1.97% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -4.10% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -4.10% · Tier avg: 1.08%
2
2th pctile
Net Interest Margin
Current: 1.97% · Tier avg: 3.85%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.48% · Tier avg: 22.39%
42
42th pctile
Total Assets
Current: $163.5M · Tier avg: $217.5M
45
45th pctile
Total Loans
Current: $106.8M · Tier avg: $139.2M
47
47th pctile
Total Deposits
Current: $154.3M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 8.88% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.17% · Tier avg: 74.53%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
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%