BlastPoint's Banking Scorecard

UBank

$100M-$1B Specialty: Commercial TN FDIC cert 1693

Knoxville, TN

2 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

UBank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.27% above tier average
+ Efficiency Ratio 1.40% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- ROA 0.08% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$180.1M +10.8% YoY -0.2% QoQ	-$206.0M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$136.3M +10.1% YoY +1.5% QoQ	-$119.4M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$155.9M +12.0% YoY -0.0% QoQ	-$172.1M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	1.18% +27.7% YoY +0.9% QoQ	-0.08%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	4.20% -0.3% YoY -4.1% QoQ	+0.27%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	63.89% -6.3% YoY -0.2% QoQ	-1.40%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.67% -12.3% YoY -2.9% QoQ	-0.22%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	87.45% -1.7% YoY +1.5% QoQ	+10.81%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	18.69% +11.3% YoY +2.4% QoQ	-3.33%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.50% -12.8% YoY -1.3% QoQ	-0.13%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	13.33% -4.9% YoY +0.9% QoQ	-2.50%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.07% -15.4% YoY -75.5% QoQ	-0.21%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2090

Total Assets

size

Value: $180.13M

Peer Median: $386.08M

#2090 of 2664 Bottom 21.6% in $100M-$1B

2062

Total Deposits

size

Value: $155.85M

Peer Median: $327.97M

#2062 of 2664 Bottom 22.6% in $100M-$1B