BlastPoint's Banking Scorecard
Commercial Bank
Designations: ✓ Community bank
Harrogate, TN
40 branches across TN · KY · NC
Commercial Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.74% below tier average
- + ROA 0.45% above tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.7% in tier
- - Credit Risk Growth: Bottom 19.8% in tier
- - Liquidity Strain: Bottom 38.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+2.8% YoY
+1.7% QoQ
|
-$507.8M |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$1.9B
+5.5% YoY
+1.0% QoQ
|
-$103.2M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$1.9B
+1.3% YoY
+3.8% QoQ
|
-$416.5M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.81%
+13.3% YoY
+2.7% QoQ
|
+0.45% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
3.84%
+2.1% YoY
-2.5% QoQ
|
+0.03% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
41.32%
-6.7% YoY
-3.9% QoQ
|
-19.74% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Top 8.0% in tier |
| Delinquency Rate ? |
0.31%
+15.1% YoY
-7.1% QoQ
|
-0.57% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
96.61%
+4.2% YoY
-2.7% QoQ
|
+12.41% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
22.72%
+2.9% YoY
-4.0% QoQ
|
+1.43% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.28%
+16.1% YoY
-2.6% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.05%
+0.1% YoY
+4.0% QoQ
|
-2.11% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.11%
+5.0% YoY
-74.9% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.