BlastPoint's Banking Scorecard
The Bank of Fayette County
Designations: ✓ Community bank
Piperton, TN
15 branches across TN
The Bank of Fayette County has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 42.5% in tier
- - Liquidity Strain: Bottom 49.4% in tier
- - Credit Risk Growth: Bottom 49.9% in tier
- - ROA 0.41% below tier average
- - Efficiency Ratio 5.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.7% YoY
+2.4% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.0% YoY
|
Bottom 11.4% in tier |
| Total Loans ? |
$908.7M
+10.0% YoY
+2.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.7% YoY
|
26% |
| Total Deposits ? |
$969.9M
+10.4% YoY
+2.4% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.0% YoY
|
Bottom 12.7% in tier |
| Return on Assets ? |
0.95%
-7.3% YoY
-5.2% QoQ
|
-0.41% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.24%
+13.1% YoY
|
29% |
| Net Interest Margin ? |
3.95%
+1.7% YoY
-1.7% QoQ
|
+0.14% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
66.76%
+1.5% YoY
+4.9% QoQ
|
+5.71% |
61.05%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.84%
-3.8% YoY
|
30% |
| Delinquency Rate ? |
0.98%
+11.7% YoY
+27.7% QoQ
|
+0.09% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
93.69%
-0.3% YoY
-0.1% QoQ
|
+9.49% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.69%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
18.15%
-2.8% YoY
+0.3% QoQ
|
-3.13% |
21.28%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.1% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.83%
+15.9% YoY
+34.0% QoQ
|
+0.16% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.66%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
9.57%
-3.6% YoY
+0.4% QoQ
|
-5.59% |
15.17%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.0% in tier |
| Non-Interest Income / Assets ? |
0.06%
+7.5% YoY
-74.1% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.0% YoY
|
15% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.