BlastPoint's Banking Scorecard
Community Bank
Lexington, TN
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +9.6% year over year ($301.0M on the books).
- Delinquency rate 0.72%.
- Return on assets 0.76%.
- Efficiency ratio 73.42% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency Ratio 8.94% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$357.5M
+13.2% YoY
-1.1% QoQ
|
-$29.1M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$298.4M
+13.7% YoY
+1.2% QoQ
|
+$40.1M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$301.0M
+9.6% YoY
-0.8% QoQ
|
-$25.7M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
0.76%
+37.0% YoY
+3.3% QoQ
|
-0.56% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
4.12%
+1.6% YoY
+0.9% QoQ
|
+0.13% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
73.42%
-10.4% YoY
+0.1% QoQ
|
+8.94% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.72%
+729.7% YoY
+597.9% QoQ
|
-0.20% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
99.13%
+3.7% YoY
+2.0% QoQ
|
+21.18% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.82%
-10.3% YoY
-6.7% QoQ
|
-9.21% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.60%
+733.4% YoY
+614.4% QoQ
|
-0.07% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.18%
+15.3% YoY
-0.9% QoQ
|
-2.73% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.14%
-6.7% YoY
+107.1% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
12.8%
-1.5pp YoY -0.9pp QoQ |
-9.3pp | 22.1% | 18.8% | 22.2% | 16% |
| Brokered Deposits |
15.5%
+4.3pp YoY -0.9pp QoQ |
+7.6pp | 7.9% | 9.4% | 8.5% | 86% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-1.2pp YoY -0.5pp QoQ |
-3.9pp | 11.6% | 10.9% | 12.5% | 37% |
| CRE |
44.9%
+13.4pp YoY +2.4pp QoQ |
+5.3pp | 39.5% | 42.4% | 41.4% | 62% |
| 1-4 Family |
35.4%
-5.1pp YoY -1.4pp QoQ |
+2.8pp | 32.6% | 39.8% | 31.3% | 62% |
| Consumer |
9.9%
-8.4pp YoY -1.4pp QoQ |
+5.8pp | 4.1% | 4.5% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
+1.8pp YoY -0.1pp QoQ |
-5.6pp | 18.8% | 14.8% | 19.7% | 30% |
| Leverage Ratio |
10.6%
+1.7pp YoY -0.2pp QoQ |
-1.5pp | 12.2% | 11.4% | 12.6% | 44% |
| Total Capital Ratio |
14.2%
+1.7pp YoY -0.1pp QoQ |
-5.7pp | 19.9% | 15.9% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
68
-1 (-1.4%) YoY +2 (+3.0%) QoQ |
+9 | 58 | 270 | 482 | 69% |
| Assets per Employee ($) |
$5.3M
+14.8% YoY -4.0% QoQ |
-$2.3M | $7.5M | $7.1M | $8.8M | 19% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.6pp YoY +0.6pp QoQ |
-0.2pp | 0.9% | 0.7% | 1.0% | 63% |
| Allowance Coverage |
1.27x
-88.3% YoY -85.8% QoQ |
-22.88x | 24.15x | 28.97x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.7%
+1.4pp YoY -0.1pp QoQ |
-4.5pp | 12.2% | 10.9% | 11.6% | 24% |
| Cost of Funds (YTD) |
2.6%
-0.2pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 2.0% | 1.7% | 92% |
| Net Income ($, YTD) |
$1.4M
+53.6% YoY — QoQ |
-$1.2M | $2.6M | $16.7M | $40.4M | 37% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.