BlastPoint's Banking Scorecard
Bank of Halls
Halls, TN
2 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +1.2% year over year ($123.2M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.02%.
- Efficiency ratio 55.63% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.05% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Halls has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.85% below tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 48.8% in tier
- - ROA 0.30% below tier average
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.6M
+1.3% YoY
-0.3% QoQ
|
-$252.0M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.4% in tier |
| Total Loans ? |
$62.9M
+14.7% YoY
+6.3% QoQ
|
-$195.5M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.2% in tier |
| Total Deposits ? |
$123.2M
+1.2% YoY
-0.2% QoQ
|
-$203.6M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.1% in tier |
| Return on Assets ? |
1.02%
-2.7% YoY
+5.8% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.32%
-2.3% YoY
+2.6% QoQ
|
-0.66% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
55.63%
+6.5% YoY
-1.8% QoQ
|
-8.85% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.15%
-94.6% YoY
-50.4% QoQ
|
-0.76% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
51.05%
+13.3% YoY
+6.5% QoQ
|
-26.90% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Top 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.91%
-18.1% YoY
-13.0% QoQ
|
-9.12% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.07%
-93.9% YoY
-47.1% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.79%
-10.7% YoY
-8.9% QoQ
|
-3.12% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.12%
+77.2% YoY
+93.2% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
25% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.9%
-2.8pp YoY -1.9pp QoQ |
-9.2pp | 22.1% | 18.8% | 22.2% | 17% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.4%
+3.2pp YoY +2.8pp QoQ |
+4.9pp | 11.6% | 10.9% | 12.5% | 80% |
| CRE | n/a | n/a | 39.5% | 42.4% | 41.4% | n/a |
| 1-4 Family |
23.2%
+3.5pp YoY +0.4pp QoQ |
-9.4pp | 32.6% | 39.8% | 31.3% | 37% |
| Consumer |
4.1%
+0.2pp YoY -0.3pp QoQ |
0.0pp | 4.1% | 4.5% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
-1.5pp YoY -1.2pp QoQ |
-6.0pp | 18.8% | 14.8% | 19.7% | 25% |
| Leverage Ratio |
8.0%
-0.2pp YoY -0.1pp QoQ |
-4.2pp | 12.2% | 11.4% | 12.6% | 2% |
| Total Capital Ratio |
13.9%
-1.6pp YoY -1.3pp QoQ |
-6.1pp | 19.9% | 15.9% | 20.8% | 25% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
-43 | 58 | 270 | 482 | 5% |
| Assets per Employee ($) |
$8.4M
+1.3% YoY -0.3% QoQ |
+$891K | $7.5M | $7.1M | $8.8M | 73% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 17 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
-2.7pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 25% |
| Allowance Coverage |
9.54x
+1519.6% YoY +89.7% QoQ |
-14.62x | 24.15x | 28.97x | 20.23x | 81% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
-1.7pp YoY +0.7pp QoQ |
+1.2pp | 12.2% | 10.9% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 2.0% | 1.7% | 50% |
| Net Income ($, YTD) |
$698,000
-2.8% YoY — QoQ |
-$1.9M | $2.6M | $16.7M | $40.4M | 16% |
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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 (1)
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.