BlastPoint's Banking Scorecard
Bank3
Designations: ✓ CDFI-certified
Memphis, TN
6 branches across TN · MS
Bank3 has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.3% in tier
- - Credit Risk Growth: Bottom 36.9% in tier
- - Efficiency Drag: Bottom 49.0% in tier
- - Return on Assets 0.90% below tier average
- - Net Interest Margin 0.87% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$491.1M
+8.9% YoY
-0.8% QoQ
|
+$105.1M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$409.8M
+9.5% YoY
-0.5% QoQ
|
+$154.1M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$426.8M
+13.1% YoY
+2.3% QoQ
|
+$98.8M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
0.37%
+154.0% YoY
+70.6% QoQ
|
-0.90% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.9% in tier |
| Net Interest Margin ? |
3.06%
+9.0% YoY
+3.1% QoQ
|
-0.87% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio ? |
83.19%
-10.2% YoY
-4.5% QoQ
|
+17.90% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate ? |
0.10%
+505.1% YoY
-27.9% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
96.02%
-3.2% YoY
-2.7% QoQ
|
+19.38% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.66%
+0.2% YoY
+4.1% QoQ
|
-9.36% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.09%
+508.3% YoY
-27.7% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
11.72%
-8.6% YoY
+1.2% QoQ
|
-4.11% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.12%
+26.5% YoY
-73.1% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
61% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.