BlastPoint's Banking Scorecard

Greeneville Federal Bank, FSB

$100M-$1B Specialty: Commercial TN FDIC cert 31198

Designations: ✓ Mutual

Greeneville, TN

3 branches across TN

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

Greeneville Federal Bank, FSB 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

+ Net Interest Margin 0.62% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 4.3% in tier
- Liquidity Overhang: Bottom 9.3% in tier
- Efficiency Ratio 7.69% above tier average
- Delinquency Rate 1.04% 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 ?	$205.6M +7.3% YoY +0.3% QoQ	-$180.5M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$171.3M +8.3% YoY +1.4% QoQ	-$84.4M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$157.9M +5.9% YoY +0.3% QoQ	-$170.1M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	0.87% -57.1% YoY -33.3% QoQ	-0.40%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	4.55% +2.0% YoY -2.2% QoQ	+0.62%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	72.97% -5.2% YoY +0.5% QoQ	+7.69%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	1.93% -25.1% YoY -4.6% QoQ	+1.04%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Bottom 13.3% in tier
Loan-to-Deposit Ratio ?	108.51% +2.3% YoY +1.1% QoQ	+31.87%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Bottom 3.5% in tier
Non-Interest-Bearing Deposit Share ?	13.77% -4.0% YoY -2.1% QoQ	-8.25%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	1.61% -24.3% YoY -3.6% QoQ	+0.97%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Bottom 10.2% in tier
Tier 1 Capital Ratio ?	20.92% -1.8% YoY +0.7% QoQ	+5.09%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Top 11.6% in tier
Non-Interest Income / Assets ?	0.06% -13.8% YoY -80.1% 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 (2)

Margin Compression

decline

#14 of 305 • Bottom 4.3% 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: 0.87%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Overhang

risk

#70 of 739 • Bottom 9.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.92%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 108.51%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 (2 metrics)

310

Tier 1 Capital Ratio

capital

Value: 20.92%

Peer Median: 15.83%

#310 of 2664 Top 11.6% in $100M-$1B

443

Net Interest Margin

profitability

Value: 4.55%

Peer Median: 3.93%

#443 of 2664 Top 16.6% in $100M-$1B

Top Weaknesses (5 metrics)

2571

Loan-to-Deposit Ratio

liquidity

Value: 108.51%

Peer Median: 76.64%

#2571 of 2664 Bottom 3.5% in $100M-$1B

2392

Nonperforming Asset Ratio

credit_quality

Value: 1.61%

Peer Median: 0.64%

#2392 of 2664 Bottom 10.2% in $100M-$1B

2303

Delinquency Rate

credit_quality

Value: 1.93%

Peer Median: 0.89%

#2303 of 2654 Bottom 13.3% in $100M-$1B

2138

Non-Interest-Bearing Deposit Share

funding

Value: 13.77%

Peer Median: 22.02%

#2138 of 2664 Bottom 19.8% in $100M-$1B

2047

Total Deposits

size

Value: $157.91M

Peer Median: $327.97M

#2047 of 2664 Bottom 23.2% in $100M-$1B