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Bank of Bartlett

$100M-$1B Specialty: Mortgage TN FDIC cert 23123

Bartlett, TN

7 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 +0.8% year over year ($466.1M on the books).
  • Delinquency rate 0.99%.
  • Return on assets 0.65%.
  • Efficiency ratio 80.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.82% 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) →

Bank of Bartlett faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 0.2% in tier
  • - Efficiency Drag: Bottom 27.7% in tier
  • - Credit Quality Pressure: Bottom 40.1% in tier
  • - ROA 0.67% below tier average
  • - Net Interest Margin 0.17% below tier average
Get updates when Bank of Bartlett releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $551.8M
-6.3% YoY -1.0% QoQ
+$165.3M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $381.3M
-2.0% YoY -0.1% QoQ
+$123.0M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $466.1M
+0.8% YoY -0.1% QoQ
+$139.3M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 0.65%
+19.3% YoY +12.4% QoQ
-0.67% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.81%
+9.9% YoY +1.4% QoQ
-0.17% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 80.24%
+0.7% YoY -3.1% QoQ
+15.76% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Bottom 13.4% in tier
Delinquency Rate ? 0.99%
+8.5% YoY +19.7% QoQ
+0.07% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 81.82%
-2.8% YoY +0.0% QoQ
+3.87% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 17.02%
-3.8% YoY -2.0% QoQ
-5.01% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 1.19%
-0.4% YoY +11.4% QoQ
+0.52% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 8.51%
-31.7% YoY -36.7% QoQ
-7.40% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 0.3% in tier
Non-Interest Income / Assets ? 0.48%
+17.3% YoY +133.8% QoQ
-0.09% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 10.1% in tier

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 17.0%
-0.7pp YoY
-0.3pp QoQ
 -5.1pp 22.1% 18.8% 22.2% 32%
Brokered Deposits 0.8%
-1.1pp YoY
-0.7pp QoQ
 -7.1pp 7.9% 9.4% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 5.7%
+0.4pp YoY
-0.1pp QoQ
 -5.9pp 11.6% 10.9% 12.5% 24%
CRE 21.4%
-0.9pp YoY
+0.5pp QoQ
 -18.2pp 39.5% 42.4% 41.4% 20%
1-4 Family 72.0%
+0.7pp YoY
-0.3pp QoQ
 +39.4pp 32.6% 39.8% 31.3% 95%
Consumer 1.9%
-0.2pp YoY
-0.1pp QoQ
 -2.3pp 4.1% 4.5% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 8.5%
+0.8pp YoY
+0.1pp QoQ
 -3.7pp 12.2% 11.4% 12.6% 6%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 108
0 YoY
-3 (-2.7%) QoQ
 +49 58 270 482 89%
Assets per Employee ($) $5.1M
-6.3% YoY
+1.7% QoQ
 -$2.4M $7.5M $7.1M $8.8M 16%
Branch Count 7
0 YoY
0 QoQ
 +2 4 17 18 75%

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 1.0%
+0.1pp YoY
+0.2pp QoQ
 +0.1pp 0.9% 0.7% 1.0% 71%
Allowance Coverage 0.94x
-3.6% YoY
-14.6% QoQ
 -23.22x 24.15x 28.97x 20.23x 25%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 9.3%
-0.2pp YoY
+0.9pp QoQ
 -2.9pp 12.2% 10.9% 11.6% 32%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 2.0% 1.7% 41%
Net Income ($, YTD) $1.8M
+14.1% YoY
— QoQ
 -$741K $2.6M $16.7M $40.4M 49%

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 (3)

Capital Thin

risk
#2 of 661 • Bottom 0.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 8.51%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Efficiency Drag

risk
#101 of 361 • Bottom 27.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.24%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#505 of 1256 • Bottom 40.1% in tier

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

Why this signature
Delinquency Rate: 0.99%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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

Top Strengths (4 metrics)

268
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#268 of 2643 Top 10.1% in $100M-$1B
607
Total Loans
size
Value: $381.35M
Peer Median: $258.35M
#607 of 2643 Top 22.9% in $100M-$1B
620
Total Deposits
size
Value: $466.06M
Peer Median: $326.73M
#620 of 2643 Top 23.4% in $100M-$1B
625
Total Assets
size
Value: $551.84M
Peer Median: $386.57M
#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (4 metrics)

2635
Tier 1 Capital Ratio
capital
Value: 8.51%
Peer Median: 15.91%
#2635 of 2643 Bottom 0.3% in $100M-$1B
2289
Efficiency Ratio
profitability
Value: 80.24%
Peer Median: 64.48%
#2289 of 2643 Bottom 13.4% in $100M-$1B
2206
Nonperforming Asset Ratio
credit_quality
Value: 1.19%
Peer Median: 0.67%
#2206 of 2643 Bottom 16.6% in $100M-$1B
2199
Return on Assets
profitability
Value: 0.65%
Peer Median: 1.32%
#2199 of 2643 Bottom 16.8% in $100M-$1B
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