BlastPoint's Banking Scorecard

Central Bank

$100M-$1B Specialty: Commercial TN FDIC cert 31545

Savannah, TN

3 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 +10.5% year over year ($141.1M on the books).
Delinquency rate 0.00%.
Return on assets 0.75%.
Efficiency ratio 69.18% vs a 64.48% peer average.
Loan-to-deposit ratio 80.83% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Central Bank has 2 strengths but faces 3 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 0.25% above tier average
+ Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 37.2% in tier
- ROA 0.58% below tier average
- Efficiency Ratio 4.70% above tier average

Get updates when Central 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 ?	$160.2M +10.2% YoY -2.4% QoQ	-$226.3M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$114.1M +25.0% YoY +4.4% QoQ	-$144.3M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$141.1M +10.5% YoY -2.6% QoQ	-$185.6M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	0.75% -12.4% YoY -24.9% QoQ	-0.58%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	4.23% +2.7% YoY +3.9% QoQ	+0.25%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	69.18% -8.7% YoY -2.2% QoQ	+4.70%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.00% -99.2% YoY -99.9% QoQ	-0.92%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	Top 11.8% in tier
Loan-to-Deposit Ratio ?	80.83% +13.1% YoY +7.3% QoQ	+2.88%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	34.06% -12.8% YoY -9.0% QoQ	+12.03%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	Top 10.7% in tier
Nonperforming Asset Ratio ?	0.00% -99.1% YoY -99.9% QoQ	-0.67%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	Top 10.9% in tier
Tier 1 Capital Ratio ?	19.79% -11.0% YoY -1.4% QoQ	+3.89%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Top 14.3% in tier
Non-Interest Income / Assets ?	0.41% -3.9% YoY +101.3% QoQ	-0.16%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Top 14.4% in tier

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	34.1% -5.0pp YoY -3.4pp QoQ	+11.9pp	22.1%	18.8%	22.2%	89%
Brokered Deposits	3.5%	-4.3pp	7.9%	9.4%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	7.8% -3.5pp YoY -1.7pp QoQ	-3.8pp	11.6%	10.9%	12.5%	38%
CRE	35.0% +6.6pp YoY -0.7pp QoQ	-4.5pp	39.5%	42.4%	41.4%	43%
1-4 Family	51.5% -1.7pp YoY +2.4pp QoQ	+18.8pp	32.6%	39.8%	31.3%	84%
Consumer	5.3% -1.0pp YoY +0.1pp QoQ	+1.2pp	4.1%	4.5%	5.0%	78%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	19.8% -2.4pp YoY -0.3pp QoQ	+1.0pp	18.8%	14.8%	19.7%	77%
Leverage Ratio	12.0% -0.7pp YoY -0.2pp QoQ	-0.2pp	12.2%	11.4%	12.6%	64%
Total Capital Ratio	21.0% -2.4pp YoY -0.3pp QoQ	+1.1pp	19.9%	15.9%	20.8%	77%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	38 0 YoY +2 (+5.6%) QoQ	-21	58	270	482	39%
Assets per Employee ($)	$4.2M +10.2% YoY -7.6% QoQ	-$3.3M	$7.5M	$7.1M	$8.8M	6%
Branch Count	3 0 YoY 0 QoQ	-2	4	17	18	26%

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	0.0% -0.1pp YoY -0.9pp QoQ	-0.9pp	0.9%	0.7%	1.0%	0%
Allowance Coverage	1154.00x +10587.1% YoY +97924.7% QoQ	+1129.85x	24.15x	28.97x	20.23x	100%
Net Charge-off Rate (YTD)	0.6% +0.6pp YoY +0.7pp QoQ	+0.5pp	0.1%	0.1%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	6.9% -0.9pp YoY -2.3pp QoQ	-5.3pp	12.2%	10.9%	11.6%	20%
Cost of Funds (YTD)	1.6% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.7%	2.0%	1.7%	44%
Net Income ($, YTD)	$594,000 -0.5% YoY — QoQ	-$2.0M	$2.6M	$16.7M	$40.4M	13%

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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)

Liquidity Overhang

risk

#277 of 742 • Bottom 37.2% 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: 19.79%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 80.83%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

283

Non-Interest-Bearing Deposit Share

funding

Value: 34.06%

Peer Median: 22.03%

#283 of 2643 Top 10.7% in $100M-$1B

290

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#290 of 2643 Top 10.9% in $100M-$1B

312

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#312 of 2633 Top 11.8% in $100M-$1B

379

Tier 1 Capital Ratio

capital

Value: 19.79%

Peer Median: 15.91%

#379 of 2643 Top 14.3% in $100M-$1B

381

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.57%

#381 of 2643 Top 14.4% in $100M-$1B

Top Weaknesses (4 metrics)

2190

Total Assets

size

Value: $160.23M

Peer Median: $386.57M

#2190 of 2643 Bottom 17.2% in $100M-$1B

2151

Total Deposits

size

Value: $141.13M

Peer Median: $326.73M

#2151 of 2643 Bottom 18.7% in $100M-$1B

2097

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2097 of 2643 Bottom 20.7% in $100M-$1B

2023

Total Loans

size

Value: $114.08M

Peer Median: $258.35M

#2023 of 2643 Bottom 23.5% in $100M-$1B