BlastPoint's Banking Scorecard
Bank of Gleason
Gleason, TN
2 branches across TN
Bank of Gleason has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.47% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12.0% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.25% below tier average
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.3M
+6.1% YoY
-0.2% QoQ
|
-$251.8M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.4% in tier |
| Total Loans ? |
$76.4M
+8.8% YoY
+3.6% QoQ
|
-$179.4M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.7% in tier |
| Total Deposits ? |
$110.2M
+6.1% YoY
+0.4% QoQ
|
-$217.8M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.8% in tier |
| Return on Assets ? |
1.02%
-2.6% YoY
+16.9% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.84%
+9.7% YoY
+5.0% QoQ
|
-0.09% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
57.81%
-7.1% YoY
-14.1% QoQ
|
-7.47% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.11%
-58.0% YoY
-49.3% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
69.28%
+2.5% YoY
+3.2% QoQ
|
-7.36% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
20.59%
-1.1% YoY
-9.5% QoQ
|
-1.43% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.42%
-12.8% YoY
-3.6% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
34.06%
-4.6% YoY
-0.5% QoQ
|
+18.23% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 2.6% in tier |
| Non-Interest Income / Assets ? |
0.02%
-2.7% YoY
-78.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.4% in tier |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.