BlastPoint's Banking Scorecard
CBBC Bank
Maryville, TN
7 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 +8.2% year over year ($478.8M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.16%.
- Efficiency ratio 58.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.08% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CBBC Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.75% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Net Interest Margin 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$562.1M
+9.4% YoY
+1.0% QoQ
|
+$175.5M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$316.4M
+19.3% YoY
+2.6% QoQ
|
+$58.1M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$478.8M
+8.2% YoY
+1.2% QoQ
|
+$152.1M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.16%
+2.1% YoY
+13.1% QoQ
|
-0.16% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.72%
+2.1% YoY
+2.5% QoQ
|
-0.27% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
58.73%
-2.3% YoY
-2.2% QoQ
|
-5.75% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.01%
-89.9% YoY
-2.5% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Top 13.3% in tier |
| Loan-to-Deposit Ratio ? |
66.08%
+10.3% YoY
+1.3% QoQ
|
-11.87% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
25.79%
-7.2% YoY
-0.2% QoQ
|
+3.76% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.01%
-71.4% YoY
-1.0% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Top 14.1% in tier |
| Tier 1 Capital Ratio ? |
21.06%
-4.7% YoY
+1.3% QoQ
|
+5.15% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Top 11.7% in tier |
| Non-Interest Income / Assets ? |
0.15%
-15.7% YoY
+99.2% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
33% |
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 |
25.8%
-2.0pp YoY 0.0pp QoQ |
+3.6pp | 22.1% | 18.8% | 22.2% | 69% |
| Brokered Deposits |
1.0%
+0.4pp YoY 0.0pp QoQ |
-6.8pp | 7.9% | 9.4% | 8.5% | 19% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.1%
-1.7pp YoY -0.1pp QoQ |
-4.5pp | 11.6% | 10.9% | 12.5% | 34% |
| CRE |
72.6%
-0.1pp YoY -1.9pp QoQ |
+33.1pp | 39.5% | 42.4% | 41.4% | 95% |
| 1-4 Family |
21.4%
+1.7pp YoY +2.0pp QoQ |
-11.2pp | 32.6% | 39.8% | 31.3% | 33% |
| Consumer |
0.6%
-0.2pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 4.5% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.1%
-1.1pp YoY +0.3pp QoQ |
+2.2pp | 18.8% | 14.8% | 19.7% | 81% |
| Leverage Ratio |
14.2%
+0.1pp YoY -0.1pp QoQ |
+2.1pp | 12.2% | 11.4% | 12.6% | 83% |
| Total Capital Ratio |
22.3%
-1.1pp YoY +0.3pp QoQ |
+2.4pp | 19.9% | 15.9% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
79
0 YoY 0 QoQ |
+20 | 58 | 270 | 482 | 76% |
| Assets per Employee ($) |
$7.1M
+9.4% YoY +1.0% QoQ |
-$403K | $7.5M | $7.1M | $8.8M | 54% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 17 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 2% |
| Allowance Coverage |
272.28x
+727.8% YoY -0.1% QoQ |
+248.12x | 24.15x | 28.97x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
-0.5pp YoY +1.1pp QoQ |
-2.0pp | 12.2% | 10.9% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 2.0% | 1.7% | 21% |
| Net Income ($, YTD) |
$3.2M
+12.2% YoY — QoQ |
+$663K | $2.6M | $16.7M | $40.4M | 73% |
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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.