BlastPoint's Banking Scorecard
Bank of Dickson
Dickson, TN
4 branches across TN
Bank of Dickson has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 26.0% in tier
- - ROA 0.47% below tier average
- - Net Interest Margin 0.48% below tier average
- - Efficiency Ratio 6.90% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.7M
+0.2% YoY
+2.2% QoQ
|
-$101.4M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$170.7M
+0.8% YoY
-0.9% QoQ
|
-$85.0M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$255.1M
-0.9% YoY
+2.4% QoQ
|
-$72.9M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.80%
+72.9% YoY
+27.9% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.45%
+17.2% YoY
+9.2% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
72.19%
-11.0% YoY
-5.1% QoQ
|
+6.90% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.08%
-93.3% YoY
+23.4% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
66.93%
+1.7% YoY
-3.3% QoQ
|
-9.71% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
24.54%
+1.5% YoY
-0.1% QoQ
|
+2.52% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.05%
-93.3% YoY
-91.1% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.65%
+2.0% YoY
+1.7% QoQ
|
-4.18% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.07%
+28.5% YoY
-73.7% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
34% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.