BlastPoint's Banking Scorecard
UBank
Knoxville, 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 +9.2% year over year ($158.4M on the books).
- Delinquency rate 0.69%.
- Return on assets 1.20%.
- Efficiency ratio 64.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
UBank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 0.35% below tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.8M
+8.1% YoY
+1.5% QoQ
|
-$203.8M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$131.2M
+1.8% YoY
-3.8% QoQ
|
-$127.2M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$158.4M
+9.2% YoY
+1.6% QoQ
|
-$168.3M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.20%
+21.2% YoY
+1.6% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.29%
-0.8% YoY
+2.0% QoQ
|
+0.30% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
64.13%
-2.9% YoY
+0.4% QoQ
|
-0.35% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.69%
-5.6% YoY
+3.6% QoQ
|
-0.23% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
82.81%
-6.7% YoY
-5.3% QoQ
|
+4.86% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
17.76%
-2.5% YoY
-4.9% QoQ
|
-4.27% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.50%
-11.0% YoY
-1.8% QoQ
|
-0.17% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
13.14%
-6.8% YoY
-1.4% QoQ
|
-2.77% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.13%
-13.5% YoY
+89.7% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
17.8%
-0.5pp YoY -0.9pp QoQ |
-4.4pp | 22.1% | 18.8% | 22.2% | 35% |
| 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 |
9.6%
+1.1pp YoY -0.1pp QoQ |
-2.0pp | 11.6% | 10.9% | 12.5% | 50% |
| CRE |
60.3%
-1.5pp YoY +0.2pp QoQ |
+20.8pp | 39.5% | 42.4% | 41.4% | 84% |
| 1-4 Family |
27.9%
+0.6pp YoY +0.2pp QoQ |
-4.7pp | 32.6% | 39.8% | 31.3% | 46% |
| Consumer |
2.7%
+0.1pp YoY -0.1pp QoQ |
-1.5pp | 4.1% | 4.5% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
13.1%
-1.0pp YoY -0.2pp QoQ |
+1.0pp | 12.2% | 11.4% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
0 YoY 0 QoQ |
-37 | 58 | 270 | 482 | 14% |
| Assets per Employee ($) |
$8.3M
+8.1% YoY +1.5% QoQ |
+$789K | $7.5M | $7.1M | $8.8M | 71% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 17 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.2% | 0.4% | 11% |
| Nonaccrual |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 0.7% | 1.0% | 62% |
| Allowance Coverage |
2.21x
+2.9% YoY -1.2% QoQ |
-21.94x | 24.15x | 28.97x | 20.23x | 50% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
+1.8pp YoY +0.2pp QoQ |
-2.9pp | 12.2% | 10.9% | 11.6% | 32% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 2.0% | 1.7% | 76% |
| Net Income ($, YTD) |
$1.1M
+31.6% YoY — QoQ |
-$1.5M | $2.6M | $16.7M | $40.4M | 29% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.