BlastPoint's Banking Scorecard
Coffee County Bank
Manchester, TN
4 branches across TN
Coffee County Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 11.7% in tier
- + Profitability Leader: Top 37.5% in tier
- + Net Interest Margin 0.71% above tier average
- + Efficiency Ratio 8.78% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$430.4M
+11.9% YoY
+1.9% QoQ
|
+$44.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$353.0M
+8.1% YoY
+2.4% QoQ
|
+$97.2M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$388.6M
+13.1% YoY
+1.9% QoQ
|
+$60.6M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
2.32%
+8.7% YoY
+1.0% QoQ
|
+1.05% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Top 6.8% in tier |
| Net Interest Margin ? |
4.64%
+6.4% YoY
-0.4% QoQ
|
+0.71% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 14.5% in tier |
| Efficiency Ratio ? |
56.50%
+0.4% YoY
-1.4% QoQ
|
-8.78% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.18%
-42.8% YoY
-33.7% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
90.82%
-4.4% YoY
+0.5% QoQ
|
+14.19% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
20.23%
-0.4% YoY
+1.1% QoQ
|
-1.79% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.15%
-44.8% YoY
-33.4% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.96%
+5.7% YoY
+1.3% QoQ
|
-3.87% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.33%
+15.3% YoY
-74.4% QoQ
|
+0.05% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 6.1% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.