BlastPoint's Banking Scorecard

Bank of Bartlett

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

Bartlett, TN

7 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Bank of Bartlett has 1 strength but faces 4 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

+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 35.0% in tier
- Credit Quality Pressure: Bottom 43.6% in tier
- ROA 0.69% below tier average
- Net Interest Margin 0.17% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$557.5M -4.5% YoY -1.0% QoQ	+$171.4M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$381.9M -0.4% YoY -1.0% QoQ	+$126.2M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$466.8M +2.2% YoY +1.7% QoQ	+$138.8M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	0.58% +24.4% YoY +2.2% QoQ	-0.69%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	15%
Net Interest Margin ?	3.76% +8.5% YoY +4.3% QoQ	-0.17%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	82.84% +1.1% YoY +3.8% QoQ	+17.55%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Bottom 12.3% in tier
Delinquency Rate ?	0.83% +31.7% YoY +4.4% QoQ	-0.06%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	81.82% -2.5% YoY -2.7% QoQ	+5.18%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	17.37% +1.2% YoY +1.7% QoQ	-4.65%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	1.07% +4.9% YoY +2.8% QoQ	+0.43%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	13.43% +7.0% YoY +2.2% QoQ	-2.40%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.20% +11.0% YoY -76.9% QoQ	-0.08%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 13.3% in tier

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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)

Efficiency Drag

risk

#146 of 414 • Bottom 35.0% in tier

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

Why this signature

Efficiency Ratio: 82.84%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Credit Quality Pressure

risk

#572 of 1308 • Bottom 43.6% in tier

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

Why this signature

Delinquency Rate: 0.83%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

355

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#355 of 2664 Top 13.3% in $100M-$1B

588

Total Loans

size

Value: $381.90M

Peer Median: $255.72M

#588 of 2664 Top 22.0% in $100M-$1B

612

Total Assets

size

Value: $557.46M

Peer Median: $386.08M

#612 of 2664 Top 22.9% in $100M-$1B

622

Total Deposits

size

Value: $466.75M

Peer Median: $327.97M

#622 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2336

Efficiency Ratio

profitability

Value: 82.84%

Peer Median: 65.29%

#2336 of 2664 Bottom 12.3% in $100M-$1B

2258

Return on Assets

profitability

Value: 0.58%

Peer Median: 1.27%

#2258 of 2664 Bottom 15.3% in $100M-$1B

2175

Nonperforming Asset Ratio

credit_quality

Value: 1.07%

Peer Median: 0.64%

#2175 of 2664 Bottom 18.4% in $100M-$1B