BlastPoint's Banking Scorecard
Thread Bank
Community
Specialty: Other
TN
FDIC cert 9499
Rogersville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Thread Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 36% in Community
- + Loan-to-Deposit Ratio 39.94% below tier
- + Tier 1 Capital Ratio 16.28% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.75% below tier
- - Non-Interest-Bearing Deposit Share 11.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$953.6M
+24.1% YoY
+15.8% QoQ
|
-$437.8M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$364.6M
+14.5% YoY
+10.7% QoQ
|
-$610.9M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$845.6M
+21.0% YoY
+14.1% QoQ
|
-$319.1M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.42%
-57.8% YoY
-22.0% QoQ
|
-0.75% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.92%
+9.5% YoY
-1.4% QoQ
|
-0.74% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
75.66%
-5.1% YoY
+1.0% QoQ
|
+13.03% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.16%
-67.0% YoY
+28.5% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
43.12%
-5.4% YoY
-3.0% QoQ
|
-39.94% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.27%
+4.8% YoY
-15.4% QoQ
|
-11.78% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-69.5% YoY
+22.9% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
26.52%
+26.2% YoY
+20.4% QoQ
|
+16.28% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
1.94%
+58.3% YoY
+24.5% QoQ
|
+1.20% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#135 of 371 · Top 36% 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:
1.94%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.42%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
43.12%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
26.52%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.42%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.27%
(Tier avg: 21.05%, 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
98
98th pctile
Tier 1 Capital Ratio
Current: 26.52% · Tier avg: 10.24%
98
98th pctile
Loan-to-Deposit Ratio
Current: 43.12% · Tier avg: 83.06%
95
95th pctile
Non-Interest Income / Assets
Current: 1.94% · Tier avg: 0.74%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
50
50th pctile
Total Deposits
Current: $845.6M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $953.6M · Tier avg: $1.4B
16
16th pctile
Efficiency Ratio
Current: 75.66% · Tier avg: 62.63%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
10
10th pctile
Total Loans
Current: $364.6M · Tier avg: $975.5M
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.27% · Tier avg: 21.05%
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.27% · Tier avg: 21.05%
10
10th pctile
Total Loans
Current: $364.6M · Tier avg: $975.5M
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
16
16th pctile
Efficiency Ratio
Current: 75.66% · Tier avg: 62.63%
47
47th pctile
Total Assets
Current: $953.6M · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $845.6M · Tier avg: $1.2B
74
74th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
95
95th pctile
Non-Interest Income / Assets
Current: 1.94% · Tier avg: 0.74%
98
98th pctile
Loan-to-Deposit Ratio
Current: 43.12% · Tier avg: 83.06%
98
98th pctile
Tier 1 Capital Ratio
Current: 26.52% · Tier avg: 10.24%