BlastPoint's Banking Scorecard
Peoples Bank
Micro
Specialty: Commercial
TN
FDIC cert 9489
Designations: ✓ Community bank
Clifton, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Peoples Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.29% above 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 ? |
$410.7M
+3.6% YoY
+2.0% QoQ
|
+$193.2M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$302.8M
-0.7% YoY
+1.0% QoQ
|
+$163.6M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$357.1M
+4.1% YoY
+2.5% QoQ
|
+$173.4M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.55%
-22.5% YoY
-5.1% QoQ
|
+0.46% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
5.14%
-10.8% YoY
-0.5% QoQ
|
+1.29% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
58.09%
+14.6% YoY
+4.5% QoQ
|
-9.64% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.39%
+43.9% YoY
+68.7% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
84.80%
-4.6% YoY
-1.5% QoQ
|
+10.27% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
13.79%
-8.7% YoY
-3.4% QoQ
|
-8.60% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.90%
+329.7% YoY
+420.0% QoQ
|
+0.44% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
15.87%
+5.9% YoY
-3.5% QoQ
|
+7.02% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.20%
-0.1% YoY
+1.5% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.14%
(Tier avg: 3.85%, National avg: 3.75%)
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
93
93th pctile
Total Loans
Current: $302.8M · Tier avg: $139.2M
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
91
91th pctile
Total Deposits
Current: $357.1M · Tier avg: $183.7M
90
90th pctile
Total Assets
Current: $410.7M · Tier avg: $217.5M
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.87% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.09% · Tier avg: 67.73%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.80% · Tier avg: 74.53%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.79% · Tier avg: 22.39%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.79% · Tier avg: 22.39%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.80% · Tier avg: 74.53%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
72
72th pctile
Efficiency Ratio
Current: 58.09% · Tier avg: 67.73%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.87% · Tier avg: 8.85%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
90
90th pctile
Total Assets
Current: $410.7M · Tier avg: $217.5M
91
91th pctile
Total Deposits
Current: $357.1M · Tier avg: $183.7M
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
93
93th pctile
Total Loans
Current: $302.8M · Tier avg: $139.2M