BlastPoint's Banking Scorecard
Bank of Halls
Halls, TN
2 branches across TN
Bank of Halls has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.65% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2.8% in tier
- - NIB Deposit Bleed: Bottom 15.2% in tier
- - ROA 0.30% below tier average
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.9M
-4.2% YoY
-3.3% QoQ
|
-$251.1M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.6% in tier |
| Total Loans ? |
$59.1M
+17.8% YoY
+5.1% QoQ
|
-$196.6M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.7% in tier |
| Total Deposits ? |
$123.4M
-5.3% YoY
-3.6% QoQ
|
-$204.6M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.9% in tier |
| Return on Assets ? |
0.97%
+36.6% YoY
-1.1% QoQ
|
-0.30% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.24%
+7.6% YoY
-2.8% QoQ
|
-0.69% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
56.63%
+1.0% YoY
+4.5% QoQ
|
-8.65% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.31%
-69.0% YoY
+10.8% QoQ
|
-0.58% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
47.93%
+24.3% YoY
+9.1% QoQ
|
-28.71% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Top 8.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.84%
-25.6% YoY
-17.2% QoQ
|
-7.18% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.14%
-61.9% YoY
+20.4% QoQ
|
-0.50% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
14.04%
+5.9% YoY
+8.0% QoQ
|
-1.79% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.06%
+99.1% YoY
-70.6% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.