BlastPoint's Banking Scorecard
Central Bank
Savannah, TN
3 branches across TN
Central Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.39% above tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 42.9% in tier
- - ROA 0.28% below tier average
- - Efficiency Ratio 5.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.3M
+17.7% YoY
+7.3% QoQ
|
-$221.8M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$109.2M
+23.0% YoY
+6.0% QoQ
|
-$146.5M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$144.9M
+18.5% YoY
+7.9% QoQ
|
-$183.0M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.99%
+15.8% YoY
+19.1% QoQ
|
-0.28% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.07%
-0.5% YoY
-1.6% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
70.71%
-6.2% YoY
-7.6% QoQ
|
+5.42% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.89%
+550.4% YoY
+859.3% QoQ
|
+0.01% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
75.36%
+3.8% YoY
-1.8% QoQ
|
-1.28% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
37.41%
-3.6% YoY
+7.0% QoQ
|
+15.39% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Top 7.1% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+580.0% YoY
+847.4% QoQ
|
-0.04% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
20.08%
-10.6% YoY
-3.2% QoQ
|
+4.25% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 13.3% in tier |
| Non-Interest Income / Assets ? |
0.20%
-7.1% YoY
-75.4% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 13.9% in tier |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.