BlastPoint's Banking Scorecard
Bank of Crockett
Bells, TN
5 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 +5.0% year over year ($266.3M on the books).
- Delinquency rate 0.30%.
- Return on assets 1.49%.
- Efficiency ratio 44.03% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Crockett has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.45% below tier average
- + ROA 0.17% above tier average
- + Net Interest Margin 0.13% above tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 36.5% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.1M
+5.7% YoY
-0.7% QoQ
|
-$87.5M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$202.9M
+12.7% YoY
+5.8% QoQ
|
-$55.5M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$266.3M
+5.0% YoY
-1.2% QoQ
|
-$60.4M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.49%
+21.2% YoY
+5.8% QoQ
|
+0.17% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.12%
+11.6% YoY
+3.1% QoQ
|
+0.13% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
44.03%
-7.2% YoY
-1.6% QoQ
|
-20.45% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Top 7.7% in tier |
| Delinquency Rate ? |
0.30%
+556.8% YoY
+924.1% QoQ
|
-0.62% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
76.19%
+7.3% YoY
+7.1% QoQ
|
-1.77% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
21.09%
-4.6% YoY
-6.0% QoQ
|
-0.94% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.20%
+600.3% YoY
+991.3% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.31%
-3.0% YoY
+2.2% QoQ
|
-2.60% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
+0.5% YoY
+107.2% 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 |
21.1%
-1.0pp YoY -1.3pp QoQ |
-1.1pp | 22.1% | 18.8% | 22.2% | 50% |
| 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 |
18.4%
+0.6pp YoY +0.4pp QoQ |
+6.8pp | 11.6% | 10.9% | 12.5% | 85% |
| CRE | n/a | n/a | 39.5% | 42.4% | 41.4% | n/a |
| 1-4 Family |
26.0%
+3.4pp YoY +0.6pp QoQ |
-6.6pp | 32.6% | 39.8% | 31.3% | 43% |
| Consumer |
6.1%
-1.7pp YoY -0.5pp QoQ |
+1.9pp | 4.1% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.3%
-0.4pp YoY +0.3pp QoQ |
-5.5pp | 18.8% | 14.8% | 19.7% | 32% |
| Leverage Ratio |
10.5%
-0.1pp YoY +0.3pp QoQ |
-1.7pp | 12.2% | 11.4% | 12.6% | 40% |
| Total Capital Ratio |
14.6%
-0.4pp YoY +0.3pp QoQ |
-5.4pp | 19.9% | 15.9% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
0 YoY +3 (+8.1%) QoQ |
-19 | 58 | 270 | 482 | 41% |
| Assets per Employee ($) |
$7.5M
+5.7% YoY -8.1% QoQ |
-$42K | $7.5M | $7.1M | $8.8M | 60% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 17 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.3pp YoY +0.3pp QoQ |
-0.6pp | 0.9% | 0.7% | 1.0% | 38% |
| Allowance Coverage |
4.87x
-85.1% YoY -90.4% QoQ |
-19.28x | 24.15x | 28.97x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+2.2pp YoY +0.6pp QoQ |
+3.2pp | 12.2% | 10.9% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 2.0% | 1.7% | 44% |
| Net Income ($, YTD) |
$2.2M
+27.8% YoY — QoQ |
-$345K | $2.6M | $16.7M | $40.4M | 57% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.