BlastPoint's Banking Scorecard
Bank of Dickson
Dickson, TN
4 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 +2.6% year over year ($261.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.79%.
- Efficiency ratio 71.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Dickson has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Net Interest Margin 0.56% below tier average
- - Efficiency Ratio 7.42% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$291.0M
+3.4% YoY
+2.2% QoQ
|
-$95.5M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$170.9M
+0.7% YoY
+0.1% QoQ
|
-$87.4M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$261.3M
+2.6% YoY
+2.4% QoQ
|
-$65.4M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
0.79%
+35.7% YoY
-0.8% QoQ
|
-0.53% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.43%
+10.1% YoY
-0.6% QoQ
|
-0.56% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
71.90%
-6.7% YoY
-0.4% QoQ
|
+7.42% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.39%
-1.8% YoY
-2.3% QoQ
|
-12.56% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
24.91%
+0.8% YoY
+1.5% QoQ
|
+2.88% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.53%
+2.1% YoY
-1.0% QoQ
|
-4.37% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
+10.6% YoY
+85.2% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
24.9%
+0.2pp YoY +0.4pp QoQ |
+2.8pp | 22.1% | 18.8% | 22.2% | 65% |
| 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 |
5.2%
-1.6pp YoY -0.9pp QoQ |
-6.4pp | 11.6% | 10.9% | 12.5% | 21% |
| CRE | n/a | n/a | 39.5% | 42.4% | 41.4% | n/a |
| 1-4 Family |
74.1%
-0.4pp YoY +0.6pp QoQ |
+41.4pp | 32.6% | 39.8% | 31.3% | 95% |
| Consumer |
2.5%
+0.3pp YoY -0.1pp QoQ |
-1.6pp | 4.1% | 4.5% | 5.0% | 54% |
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 |
11.5%
+0.2pp YoY -0.1pp QoQ |
-0.6pp | 12.2% | 11.4% | 12.6% | 58% |
| 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 |
51
0 YoY +1 (+2.0%) QoQ |
-8 | 58 | 270 | 482 | 54% |
| Assets per Employee ($) |
$5.7M
+3.4% YoY +0.2% QoQ |
-$1.8M | $7.5M | $7.1M | $8.8M | 27% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 28.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | -0.0% | -0.1pp | 0.1% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
+1.5pp YoY 0.0pp QoQ |
-4.2pp | 12.2% | 10.9% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 2.0% | 1.7% | 16% |
| Net Income ($, YTD) |
$1.1M
+37.7% YoY — QoQ |
-$1.4M | $2.6M | $16.7M | $40.4M | 30% |
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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.