BlastPoint's Banking Scorecard

Commercial Bank

$1B-$10B Specialty: Commercial TN FDIC cert 22354

Designations: ✓ Community bank

Harrogate, TN

40 branches across TN · KY · 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 +3.0% year over year ($1.9B on the books).
Delinquency rate 0.35%.
Return on assets 1.82%.
Efficiency ratio 40.80% vs a 59.73% peer average.
Loan-to-deposit ratio 100.20% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

Commercial Bank has 3 strengths but faces 2 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

+ Efficiency Ratio 18.93% below tier average
+ ROA 0.43% above tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.2% in tier
- Credit Risk Growth: Bottom 34.8% in tier

Get updates when Commercial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$2.4B +5.2% YoY +2.1% QoQ	-$437.7M	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	59%
Total Loans ?	$1.9B +8.5% YoY +2.6% QoQ	-$53.4M	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$1.9B +3.0% YoY -1.1% QoQ	-$412.9M	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	1.82% +6.7% YoY +0.2% QoQ	+0.43%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.89% +1.0% YoY +1.3% QoQ	+0.02%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	40.80% -6.5% YoY -1.3% QoQ	-18.93%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Top 8.1% in tier
Delinquency Rate ?	0.35% +4.9% YoY +10.8% QoQ	-0.52%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	100.20% +5.4% YoY +3.7% QoQ	+15.16%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Bottom 13.7% in tier
Non-Interest-Bearing Deposit Share ?	24.27% +7.7% YoY +6.8% QoQ	+3.00%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.31% +4.9% YoY +12.9% QoQ	-0.36%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	13.02% -4.2% YoY -0.2% QoQ	-1.82%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.21% +3.2% YoY +99.5% QoQ	-0.32%	0.53% +2.5% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	24.3% +1.7pp YoY +1.6pp QoQ	+2.9pp	21.4%	18.8%	22.2%	68%
Brokered Deposits	2.9% -3.9pp YoY +0.7pp QoQ	-6.6pp	9.5%	9.4%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	7.5% -1.9pp YoY +0.3pp QoQ	-6.5pp	14.0%	10.9%	12.5%	31%
CRE	70.0% +1.8pp YoY -0.1pp QoQ	+20.0pp	50.0%	42.4%	41.4%	88%
1-4 Family	20.2% -1.1pp YoY -0.3pp QoQ	-6.2pp	26.4%	39.8%	31.3%	42%
Consumer	0.7% -0.2pp YoY 0.0pp QoQ	-4.1pp	4.7%	4.5%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	13.0% -0.6pp YoY 0.0pp QoQ	-2.6pp	15.6%	14.8%	19.7%	42%
Leverage Ratio	11.6% +0.4pp YoY +0.4pp QoQ	+0.3pp	11.3%	11.4%	12.6%	71%
Total Capital Ratio	14.0% -0.6pp YoY 0.0pp QoQ	-2.7pp	16.7%	15.9%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	293 +4 (+1.4%) YoY +6 (+2.1%) QoQ	-21	313	270	482	64%
Assets per Employee ($)	$8.0M +3.8% YoY 0.0% QoQ	-$2.4M	$10.5M	$7.1M	$8.8M	40%
Branch Count	40 0 YoY 0 QoQ	+20	20	17	18	90%

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	0.3% 0.0pp YoY 0.0pp QoQ	-0.5pp	0.8%	0.7%	1.0%	35%
Allowance Coverage	2.81x -8.5% YoY -10.1% QoQ	-15.90x	18.71x	28.97x	20.23x	61%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	16.7% +1.0pp YoY -0.2pp QoQ	+4.1pp	12.6%	10.9%	11.6%	82%
Cost of Funds (YTD)	1.6% -0.4pp YoY 0.0pp QoQ	-0.3pp	1.9%	2.0%	1.7%	29%
Net Income ($, YTD)	$21.0M +9.4% YoY — QoQ	+$1.8M	$19.2M	$16.7M	$40.4M	71%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#71 of 492 • Bottom 14.2% in tier

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

Why this signature

Delinquency Rate: 0.35%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#141 of 402 • Bottom 34.8% in tier

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

402 of 402 Mid-Market 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 885 peers in $1B-$10B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 40.80%

Peer Median: 59.73%

#73 of 885 Top 8.1% in $1B-$10B

151

Return on Assets

profitability

Value: 1.82%

Peer Median: 1.39%

#151 of 885 Top 16.9% in $1B-$10B

Top Weaknesses (1 metrics)

765

Loan-to-Deposit Ratio

liquidity

Value: 100.20%

Peer Median: 85.04%

#765 of 885 Bottom 13.7% in $1B-$10B