BlastPoint's Banking Scorecard

BankTennessee

$100M-$1B Specialty: Commercial TN FDIC cert 29177

Collierville, TN

11 branches across TN

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

BankTennessee faces 6 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

- Credit Risk Growth: Bottom 1.4% in tier
- Liquidity Strain: Bottom 13.4% in tier
- Margin Compression: Bottom 19.7% in tier
- Credit Quality Pressure: Bottom 39.4% in tier
- Net Interest Margin 0.18% below tier average
- Efficiency Ratio 2.62% above 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 ?	$615.7M +1.2% YoY -0.0% QoQ	+$229.6M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$495.8M +1.4% YoY -0.6% QoQ	+$240.1M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 11.4% in tier
Total Deposits ?	$535.6M +1.1% YoY +0.1% QoQ	+$207.6M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.07% -17.3% YoY -4.7% QoQ	-0.20%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.75% +9.7% YoY +5.0% QoQ	-0.18%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	67.90% +3.9% YoY +0.2% QoQ	+2.62%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	1.07% +4.4% YoY +10.6% QoQ	+0.18%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	92.57% +0.3% YoY -0.7% QoQ	+15.93%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	17.29% +3.4% YoY -1.7% QoQ	-4.73%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.86% +4.7% YoY +9.9% QoQ	+0.22%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	12.01% +7.0% YoY +2.2% QoQ	-3.82%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.06% -64.2% YoY -83.8% QoQ	-0.22%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	25%

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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 (4)

Credit Risk Growth

risk

#15 of 973 • Bottom 1.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Strain

risk

#87 of 643 • Bottom 13.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.57%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Margin Compression

decline

#61 of 305 • Bottom 19.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.07%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#516 of 1308 • Bottom 39.4% in tier

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

Why this signature

Delinquency Rate: 1.07%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 (3 metrics)

304

Total Loans

size

Value: $495.82M

Peer Median: $255.72M

#304 of 2664 Top 11.4% in $100M-$1B

464

Total Deposits

size

Value: $535.61M

Peer Median: $327.97M

#464 of 2664 Top 17.4% in $100M-$1B

490

Total Assets

size

Value: $615.69M

Peer Median: $386.08M

#490 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (3 metrics)

2151

Loan-to-Deposit Ratio

liquidity

Value: 92.57%

Peer Median: 76.64%

#2151 of 2664 Bottom 19.3% in $100M-$1B

2037

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.64%

#2037 of 2664 Bottom 23.6% in $100M-$1B

2003

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2003 of 2664 Bottom 24.8% in $100M-$1B