BlastPoint's Banking Scorecard
One Bank of Tennessee
Community
Specialty: Commercial
TN
FDIC cert 8432
Cookeville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
One Bank of Tennessee demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12% in Community
- + Revenue Diversifier: Top 43% in Community
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% 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 ? |
$1.7B
+2.3% YoY
-0.2% QoQ
|
+$270.7M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.1B
+3.1% YoY
-0.3% QoQ
|
+$88.8M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.5B
-0.2% YoY
-1.0% QoQ
|
+$315.0M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
2.04%
+31.9% YoY
+9.2% QoQ
|
+0.88% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.88%
+23.8% YoY
+2.1% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
49.38%
-12.6% YoY
-4.9% QoQ
|
-13.25% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.01%
-66.6% YoY
-42.2% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
71.93%
+3.3% YoY
+0.7% QoQ
|
-11.13% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
19.16%
+4.1% YoY
+1.9% QoQ
|
-1.89% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.01%
-76.8% YoY
+28.7% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
15.04%
+17.5% YoY
+4.8% QoQ
|
+4.80% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.86%
+0.3% YoY
+34.2% QoQ
|
+0.12% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#45 of 371 · Top 12% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.04%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#159 of 371 · Top 43% 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:
0.86%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.04%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, 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
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.38% · Tier avg: 62.63%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.04% · Tier avg: 10.24%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
64
64th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.16% · Tier avg: 21.05%
22
22th pctile
Loan-to-Deposit Ratio
Current: 71.93% · Tier avg: 83.06%
Top Weaknesses
22
22th pctile
Loan-to-Deposit Ratio
Current: 71.93% · Tier avg: 83.06%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.16% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
76
76th pctile
Tier 1 Capital Ratio
Current: 15.04% · Tier avg: 10.24%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
85
85th pctile
Efficiency Ratio
Current: 49.38% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.16%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%