BlastPoint's Banking Scorecard
First Federal Bank
Designations: ✓ Community bank
Dickson, TN
17 branches across TN
First Federal Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Efficiency Ratio 10.64% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 73.8% in tier
- - Net Interest Margin 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+12.6% YoY
+2.4% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.8% in tier |
| Total Loans ? |
$641.5M
+15.5% YoY
+5.5% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$969.7M
+13.4% YoY
+2.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.6% in tier |
| Return on Assets ? |
1.50%
-7.9% YoY
-5.3% QoQ
|
+0.13% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.20%
-4.5% YoY
-4.8% QoQ
|
-0.62% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
50.43%
+2.8% YoY
+0.2% QoQ
|
-10.64% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.61%
+37.0% YoY
+40.3% QoQ
|
-0.27% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
66.16%
+1.9% YoY
+2.7% QoQ
|
-18.05% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Top 13.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.05%
-2.4% YoY
+0.6% QoQ
|
-4.24% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.36%
+40.6% YoY
+44.6% QoQ
|
-0.32% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
10.48%
-5.0% YoY
-0.6% QoQ
|
-4.68% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.5% in tier |
| Non-Interest Income / Assets ? |
0.16%
-6.7% YoY
-76.2% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
58% |
Get Full Access to First Federal Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.