BlastPoint's Banking Scorecard

First Peoples Bank of Tennessee

$100M-$1B Specialty: Commercial TN FDIC cert 21874

Jefferson City, TN

5 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 +2.0% year over year ($188.3M on the books).
Delinquency rate 0.08%.
Return on assets 1.08%.
Efficiency ratio 67.05% vs a 64.48% peer average.
Loan-to-deposit ratio 83.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

First Peoples Bank of Tennessee has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 1.2% in tier
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.1% in tier
- Credit Risk Growth: Bottom 42.0% in tier
- ROA 0.24% below tier average
- Efficiency Ratio 2.57% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$219.5M +3.4% YoY -1.7% QoQ	-$167.0M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$156.9M +10.0% YoY +2.4% QoQ	-$101.5M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$188.3M +2.0% YoY -1.4% QoQ	-$138.4M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	1.08% +62.0% YoY -0.4% QoQ	-0.24%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	39%
Net Interest Margin ?	4.46% +19.8% YoY -0.0% QoQ	+0.47%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	67.05% -12.2% YoY +0.1% QoQ	+2.57%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.08% +322.1% YoY -3.1% QoQ	-0.84%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	83.29% +7.9% YoY +3.8% QoQ	+5.34%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	21.79% +5.2% YoY -5.2% QoQ	-0.24%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.06% +348.9% YoY +1.0% QoQ	-0.61%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	13.94% -7.7% YoY +0.3% QoQ	-1.97%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.13% +0.1% YoY +107.0% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	21.8% +1.1pp YoY -1.2pp QoQ	-0.4pp	22.1%	18.8%	22.2%	53%
Brokered Deposits	7.9% +2.5pp YoY +0.1pp QoQ	+0.1pp	7.9%	9.4%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	10.9% -5.0pp YoY 0.0pp QoQ	-0.6pp	11.6%	10.9%	12.5%	58%
CRE	63.1% +4.7pp YoY +0.6pp QoQ	+23.5pp	39.5%	42.4%	41.4%	88%
1-4 Family	21.3% -0.1pp YoY +0.4pp QoQ	-11.4pp	32.6%	39.8%	31.3%	33%
Consumer	3.9% -0.5pp YoY -0.4pp QoQ	-0.2pp	4.1%	4.5%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	13.9% -1.2pp YoY 0.0pp QoQ	-4.9pp	18.8%	14.8%	19.7%	38%
Leverage Ratio	11.4% +0.1pp YoY +0.2pp QoQ	-0.8pp	12.2%	11.4%	12.6%	56%
Total Capital Ratio	15.2% -1.2pp YoY +0.1pp QoQ	-4.7pp	19.9%	15.9%	20.8%	40%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	41 0 YoY 0 QoQ	-18	58	270	482	42%
Assets per Employee ($)	$5.4M +3.4% YoY -1.7% QoQ	-$2.2M	$7.5M	$7.1M	$8.8M	20%
Branch Count	5 0 YoY 0 QoQ	0	4	17	18	55%

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	0.1% +0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	16%
Allowance Coverage	25.13x -70.9% YoY +36.3% QoQ	+0.98x	24.15x	28.97x	20.23x	90%
Net Charge-off Rate (YTD)	-1.1% -1.1pp YoY -1.1pp QoQ	-1.2pp	0.1%	0.1%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	11.2% +3.5pp YoY -0.2pp QoQ	-1.0pp	12.2%	10.9%	11.6%	44%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	2.0%	1.7%	33%
Net Income ($, YTD)	$1.2M +69.2% YoY — QoQ	-$1.3M	$2.6M	$16.7M	$40.4M	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#9 of 659 • Top 1.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#153 of 1256 • Bottom 12.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#394 of 936 • Bottom 42.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

578

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.99%

#578 of 2643 Top 21.8% in $100M-$1B

598

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#598 of 2643 Top 22.6% in $100M-$1B

638

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.92%

#638 of 2633 Top 24.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available