BlastPoint's Banking Scorecard

First Federal Bank

$1B-$10B Specialty: Commercial TN FDIC cert 29782

Designations: ✓ Community bank

Dickson, TN

17 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
Deposits +5.1% year over year ($978.6M on the books).
Delinquency rate 0.54%.
Return on assets 1.61%.
Efficiency ratio 50.07% vs a 59.73% peer average.
Loan-to-deposit ratio 68.80% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

First Federal Bank has 3 strengths but faces 2 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

+ ROA 0.22% above tier average
+ Efficiency Ratio 9.65% below tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.1% in tier
- Net Interest Margin 0.56% below tier average

Get updates when First Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$1.1B +5.3% YoY +1.2% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Bottom 11.2% in tier
Total Loans ?	$673.3M +16.0% YoY +4.9% QoQ	-$1.3B	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Bottom 6.9% in tier
Total Deposits ?	$978.6M +5.1% YoY +0.9% QoQ	-$1.3B	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Bottom 13.8% in tier
Return on Assets ?	1.61% -5.8% YoY +7.5% QoQ	+0.22%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	3.31% -3.4% YoY +3.5% QoQ	-0.56%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	50.07% +2.3% YoY -0.7% QoQ	-9.65%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.54% -7.4% YoY -12.8% QoQ	-0.33%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	68.80% +10.4% YoY +4.0% QoQ	-16.24%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Top 14.4% in tier
Non-Interest-Bearing Deposit Share ?	17.21% +6.1% YoY +1.0% QoQ	-4.06%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.32% +2.0% YoY -9.6% QoQ	-0.35%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	10.48% -3.6% YoY -0.0% QoQ	-4.36%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 10.5% in tier
Non-Interest Income / Assets ?	0.32% -5.2% YoY +97.0% QoQ	-0.21%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	56%

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	17.2% +1.0pp YoY +0.2pp QoQ	-4.2pp	21.4%	18.8%	22.2%	35%
Brokered Deposits	n/a	n/a	9.5%	9.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	2.5% +0.5pp YoY 0.0pp QoQ	-11.5pp	14.0%	10.9%	12.5%	7%
CRE	43.5% +1.6pp YoY +0.5pp QoQ	-6.5pp	50.0%	42.4%	41.4%	32%
1-4 Family	45.9% -1.1pp YoY -1.8pp QoQ	+19.5pp	26.4%	39.8%	31.3%	87%
Consumer	3.1% +0.1pp YoY +0.1pp QoQ	-1.7pp	4.7%	4.5%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	14.8%	19.7%	n/a
Leverage Ratio	10.5% -0.4pp YoY 0.0pp QoQ	-0.8pp	11.3%	11.4%	12.6%	49%
Total Capital Ratio	n/a	n/a	16.7%	15.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	171 +3 (+1.8%) YoY -4 (-2.3%) QoQ	-143	313	270	482	31%
Assets per Employee ($)	$6.5M +3.5% YoY +3.6% QoQ	-$4.0M	$10.5M	$7.1M	$8.8M	17%
Branch Count	17 0 YoY 0 QoQ	-3	20	17	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.2pp QoQ	-0.1pp	0.2%	0.2%	0.4%	59%
Nonaccrual	0.5% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.8%	0.7%	1.0%	48%
Allowance Coverage	3.74x +2.8% YoY +10.7% QoQ	-14.97x	18.71x	28.97x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	15.4% -0.7pp YoY +1.1pp QoQ	+2.8pp	12.6%	10.9%	11.6%	76%
Cost of Funds (YTD)	1.7% +0.3pp YoY 0.0pp QoQ	-0.2pp	1.9%	2.0%	1.7%	40%
Net Income ($, YTD)	$8.8M +2.6% YoY — QoQ	-$10.4M	$19.2M	$16.7M	$40.4M	33%

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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 (1)

Capital Thin

risk

#70 of 222 • Bottom 31.1% 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: 10.48%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

128

Loan-to-Deposit Ratio

liquidity

Value: 68.80%

Peer Median: 85.04%

#128 of 885 Top 14.4% in $1B-$10B

208

Efficiency Ratio

profitability

Value: 50.07%

Peer Median: 59.73%

#208 of 885 Top 23.4% in $1B-$10B

Top Weaknesses (4 metrics)

825

Total Loans

size

Value: $673.26M

Peer Median: $1.96B

#825 of 885 Bottom 6.9% in $1B-$10B

793

Tier 1 Capital Ratio

capital

Value: 10.48%

Peer Median: 14.84%

#793 of 885 Bottom 10.5% in $1B-$10B

787

Total Assets

size

Value: $1.11B

Peer Median: $2.79B

#787 of 885 Bottom 11.2% in $1B-$10B

764

Total Deposits

size

Value: $978.63M

Peer Median: $2.32B

#764 of 885 Bottom 13.8% in $1B-$10B