BlastPoint's Banking Scorecard
Commercial Bank & Trust Co.
Community
Specialty: Other
TN
FDIC cert 8660
Paris, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Commercial Bank & Trust Co. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48% in Community
- + Tier 1 Capital Ratio 8.83% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24% in Community
- - Deposit Outflow: Bottom 30% in Community
- - Credit Risk Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.6% YoY
-1.2% QoQ
|
-$302.4M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$613.2M
+8.0% YoY
+1.9% QoQ
|
-$362.3M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$985.3M
-1.1% YoY
-1.4% QoQ
|
-$179.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.28%
+23.4% YoY
+11.5% QoQ
|
+0.11% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.29%
+6.9% YoY
+2.0% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
67.38%
-6.1% YoY
-4.3% QoQ
|
+4.75% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.16%
+437.0% YoY
+193.0% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
62.23%
+9.2% YoY
+3.4% QoQ
|
-20.83% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.89%
-7.8% YoY
-2.3% QoQ
|
-0.15% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.09%
+476.5% YoY
+202.2% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
19.08%
-0.5% YoY
-0.7% QoQ
|
+8.83% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
1.15%
+9.1% YoY
+31.6% QoQ
|
+0.42% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#178 of 371 · Top 48% 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:
1.15%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.28%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
19.08%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Quality Pressure
risk
#198 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#76 of 248 · Bottom 30% 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
Credit Risk Growth
risk
#241 of 642 · Bottom 37% 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
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
91
91th pctile
Tier 1 Capital Ratio
Current: 19.08% · Tier avg: 10.24%
90
90th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.74%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.23% · Tier avg: 83.06%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
58
58th pctile
Total Deposits
Current: $985.3M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.89% · Tier avg: 21.05%
43
43th pctile
Total Loans
Current: $613.2M · Tier avg: $975.5M
34
34th pctile
Efficiency Ratio
Current: 67.38% · Tier avg: 62.63%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
Top Weaknesses
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
34
34th pctile
Efficiency Ratio
Current: 67.38% · Tier avg: 62.63%
43
43th pctile
Total Loans
Current: $613.2M · Tier avg: $975.5M
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.89% · Tier avg: 21.05%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $985.3M · Tier avg: $1.2B
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
74
74th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.23% · Tier avg: 83.06%
90
90th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.74%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.08% · Tier avg: 10.24%