BlastPoint's Banking Scorecard
Bank of Tennessee
Designations: ✓ Community bank
Kingsport, TN
25 branches across TN · NC
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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
- Deposits +1.8% year over year ($1.8B on the books).
- Delinquency rate 0.45%.
- Return on assets 1.79%.
- Efficiency ratio 56.71% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.96% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Tennessee shows strong momentum with 4 strengths and 13.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 0.29% above tier average
- + Efficiency Ratio 3.01% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+13.9% YoY
+6.1% QoQ
|
-$542.8M |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$1.8B
+16.3% YoY
+6.6% QoQ
|
-$160.2M |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$1.8B
+1.8% YoY
-2.6% QoQ
|
-$515.1M |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.79%
+19.7% YoY
+5.9% QoQ
|
+0.40% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.16%
+12.7% YoY
+0.4% QoQ
|
+0.29% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
56.71%
-9.1% YoY
-3.6% QoQ
|
-3.01% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
0.45%
+16.4% YoY
+14.9% QoQ
|
-0.42% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
99.96%
+14.2% YoY
+9.4% QoQ
|
+14.92% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.25%
-2.1% YoY
+5.4% QoQ
|
+6.98% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.36%
+18.8% YoY
+12.3% QoQ
|
-0.31% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.31%
-4.7% YoY
-2.9% QoQ
|
-3.53% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.24%
-14.5% YoY
+124.9% QoQ
|
-0.29% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
28.2%
-0.6pp YoY +1.4pp QoQ |
+6.9pp | 21.4% | 18.8% | 22.2% | 80% |
| Brokered Deposits | 1.2% | -8.3pp | 9.5% | 9.4% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.2%
-1.0pp YoY -0.1pp QoQ |
-3.8pp | 14.0% | 10.9% | 12.5% | 45% |
| CRE |
61.1%
+4.2pp YoY +1.3pp QoQ |
+11.0pp | 50.0% | 42.4% | 41.4% | 76% |
| 1-4 Family |
28.4%
-3.5pp YoY -1.4pp QoQ |
+1.9pp | 26.4% | 39.8% | 31.3% | 62% |
| Consumer |
0.3%
-0.1pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 4.5% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.3%
-0.6pp YoY -0.3pp QoQ |
-4.3pp | 15.6% | 14.8% | 19.7% | 14% |
| Leverage Ratio |
9.6%
0.0pp YoY -0.1pp QoQ |
-1.7pp | 11.3% | 11.4% | 12.6% | 26% |
| Total Capital Ratio |
12.3%
-0.6pp YoY -0.4pp QoQ |
-4.4pp | 16.7% | 15.9% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
271
+13 (+5.0%) YoY 0 QoQ |
-43 | 313 | 270 | 482 | 60% |
| Assets per Employee ($) |
$8.3M
+8.5% YoY +6.1% QoQ |
-$2.2M | $10.5M | $7.1M | $8.8M | 45% |
| Branch Count |
25
0 YoY 0 QoQ |
+5 | 20 | 17 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.1pp YoY +0.1pp QoQ |
-0.4pp | 0.8% | 0.7% | 1.0% | 44% |
| Allowance Coverage |
1.95x
-24.0% YoY -18.3% QoQ |
-16.76x | 18.71x | 28.97x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.9%
+2.5pp YoY +1.3pp QoQ |
+7.3pp | 12.6% | 10.9% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 1.9% | 2.0% | 1.7% | 35% |
| Net Income ($, YTD) |
$19.1M
+30.6% YoY — QoQ |
-$108K | $19.2M | $16.7M | $40.4M | 68% |
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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.