BlastPoint's Banking Scorecard
Apex Bank
Community
Specialty: Mortgage
TN
FDIC cert 9176
Camden, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Apex Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.49% above tier
- + Net Interest Margin 1.79% above tier
- + Efficiency Ratio 25.89% below tier
- + Tier 1 Capital Ratio 12.10% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4% in Community
- - Delinquency Rate 2.68% above tier
- - Nonperforming Asset Ratio 2.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+8.8% YoY
+1.8% QoQ
|
-$17.1M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.2B
+9.1% YoY
+3.0% QoQ
|
+$218.4M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.1B
+11.2% YoY
+4.7% QoQ
|
-$100.6M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
2.65%
-4.5% YoY
-1.1% QoQ
|
+1.49% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.46%
-2.7% YoY
-0.3% QoQ
|
+1.79% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
36.75%
+1.2% YoY
-0.3% QoQ
|
-25.89% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
3.31%
+89.0% YoY
+30.8% QoQ
|
+2.68% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
112.20%
-1.9% YoY
-1.6% QoQ
|
+29.14% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.85%
-3.9% YoY
+7.7% QoQ
|
-5.20% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
3.21%
+97.1% YoY
+41.2% QoQ
|
+2.71% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
22.34%
-7.3% YoY
-11.0% QoQ
|
+12.10% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.48%
-20.3% YoY
+17.4% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 2%
in Community
Why this stands out
Current:
2.65%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Community
Why this stands out
Current:
5.46%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.75%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.34%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#12 of 268 · Bottom 4% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
22.34%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
112.20%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.31%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.21%
(Tier avg: 0.50%, National avg: 0.48%)
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
98
98th pctile
Return on Assets
Current: 2.65% · Tier avg: 1.16%
98
98th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 36.75% · Tier avg: 62.63%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.34% · Tier avg: 10.24%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.85% · Tier avg: 21.05%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.20% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 3.31% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.31% · Tier avg: 0.63%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.20% · Tier avg: 83.06%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.85% · Tier avg: 21.05%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
96
96th pctile
Tier 1 Capital Ratio
Current: 22.34% · Tier avg: 10.24%
97
97th pctile
Efficiency Ratio
Current: 36.75% · Tier avg: 62.63%
98
98th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.66%
98
98th pctile
Return on Assets
Current: 2.65% · Tier avg: 1.16%