BlastPoint's Banking Scorecard
The Lauderdale County Bank
Designations: ✓ Community bank
Halls, TN
2 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 536 banks in the under $100M peer group nationwide — 1 of 6 in TN.
- Deposits +7.1% year over year ($59.9M on the books).
- Delinquency rate 1.52%.
- Return on assets 0.89%.
- Efficiency ratio 72.81% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.88% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Lauderdale County Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 46.59% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.5M
+7.3% YoY
-4.2% QoQ
|
+$5.1M |
$62.4M
-0.0% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$30.5M
+5.7% YoY
+4.1% QoQ
|
-$4.4M |
$34.9M
-0.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$59.9M
+7.1% YoY
-5.0% QoQ
|
+$8.3M |
$51.6M
-0.2% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
0.89%
+22.3% YoY
+8.4% QoQ
|
-0.10% |
1.00%
+3.5% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.05%
-1.6% YoY
+3.5% QoQ
|
+0.14% |
3.91%
+2.3% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
72.81%
-5.7% YoY
-1.7% QoQ
|
-46.59% |
119.40%
+49.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
1.52%
+54.8% YoY
+55.5% QoQ
|
+0.04% |
1.48%
+31.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
50.88%
-1.3% YoY
+9.5% QoQ
|
-23.33% |
74.21%
+12.6% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
29.59%
-1.0% YoY
-0.3% QoQ
|
+6.11% |
23.49%
+0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.69%
+52.5% YoY
+69.0% QoQ
|
-0.15% |
0.84%
+23.0% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
11.54%
-4.0% YoY
+1.6% QoQ
|
-15.58% |
27.13%
+3.0% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.23%
-39.9% YoY
+64.9% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
76% |
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 |
29.6%
-0.3pp YoY -0.1pp QoQ |
+5.0pp | 24.6% | 18.8% | 22.2% | 72% |
| Brokered Deposits |
3.4%
-1.4pp QoQ |
-6.4pp | 9.8% | 9.4% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
44.5%
+0.3pp YoY -2.0pp QoQ |
+31.1pp | 13.4% | 10.9% | 12.5% | 98% |
| CRE |
8.7%
+2.1pp YoY +0.3pp QoQ |
-16.6pp | 25.2% | 42.4% | 41.4% | 10% |
| 1-4 Family |
20.6%
-1.2pp YoY +0.5pp QoQ |
-14.3pp | 35.0% | 39.8% | 31.3% | 37% |
| Consumer |
14.8%
-0.9pp YoY 0.0pp QoQ |
+7.1pp | 7.7% | 4.5% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
11.5%
-0.5pp YoY +0.2pp QoQ |
-6.1pp | 17.7% | 11.4% | 12.6% | 35% |
| Total Capital Ratio | n/a | n/a | 39.7% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-1 (-5.0%) YoY -1 (-5.0%) QoQ |
+7 | 12 | 270 | 482 | 87% |
| Assets per Employee ($) |
$3.6M
+12.9% YoY +0.8% QoQ |
-$2.6M | $6.2M | $7.1M | $8.8M | 13% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 17 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.8pp YoY +0.6pp QoQ |
0.0pp | 1.0% | 0.2% | 0.4% | 73% |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 0.7% | 1.0% | 42% |
| Allowance Coverage |
0.90x
-33.1% YoY -37.3% QoQ |
-5.51x | 6.41x | 28.97x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
+1.3pp YoY +0.6pp QoQ |
+3.2pp | 6.4% | 10.9% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 2.0% | 1.7% | 56% |
| Net Income ($, YTD) |
$306,000
+32.5% YoY — QoQ |
-$12K | $317,817 | $16.7M | $40.4M | 53% |
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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.