BlastPoint's Banking Scorecard
First National Bank of Pulaski
Designations: ✓ Community bank
Pulaski, TN
14 branches across TN · AL
First National Bank of Pulaski has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.42% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.4% in tier
- - Capital Thin: Bottom 42.5% in tier
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+5.4% YoY
+0.4% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$998.4M
+4.0% YoY
-0.1% QoQ
|
-$966.5M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.3B
+4.7% YoY
+0.2% QoQ
|
-$998.8M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
1.34%
+10.0% YoY
+3.6% QoQ
|
-0.03% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
3.70%
+7.0% YoY
-0.4% QoQ
|
-0.12% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
54.64%
-0.9% YoY
+1.8% QoQ
|
-6.42% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
0.27%
+285.9% YoY
+43.9% QoQ
|
-0.62% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
74.25%
-0.7% YoY
-0.3% QoQ
|
-9.95% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
22.96%
-2.9% YoY
+0.9% QoQ
|
+1.67% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.27%
+478.0% YoY
+111.3% QoQ
|
-0.41% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.92%
+0.6% YoY
-0.1% QoQ
|
-4.24% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.09%
-13.3% YoY
-78.0% QoQ
|
-0.17% |
0.26%
+1.6% 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)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.