BlastPoint's Banking Scorecard

Financial Federal Bank

$1B-$10B Specialty: Commercial TN FDIC cert 31840

Designations: ✓ Community bank

Memphis, 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 +8.7% year over year ($879.7M on the books).
Delinquency rate 0.05%.
Return on assets 1.01%.
Efficiency ratio 55.51% vs a 59.73% peer average.
Loan-to-deposit ratio 121.96% 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) →

Financial Federal Bank has 3 strengths but faces 6 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

+ Delinquency Rate 0.81% below tier average
+ Nonperforming Asset Ratio 0.62% below tier average
+ Efficiency Ratio 4.21% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.0% in tier
- Net Interest Margin 1.26% below tier average
- Loan-to-Deposit Ratio 36.93% above tier average
- Non-Interest-Bearing Deposit Share 18.24% below tier average
- Non-Interest Income / Assets 0.45% below tier average
- ROA 0.38% below tier average

Get updates when Financial 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 +3.5% YoY +0.3% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Bottom 11.8% in tier
Total Loans ?	$1.1B +3.8% YoY +0.8% QoQ	-$890.3M	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	35%
Total Deposits ?	$879.7M +8.7% YoY +2.5% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Bottom 5.3% in tier
Return on Assets ?	1.01% +32.9% YoY -2.7% QoQ	-0.38%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	2.62% +24.3% YoY +1.8% QoQ	-1.26%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	Bottom 6.0% in tier
Efficiency Ratio ?	55.51% -9.8% YoY +0.7% QoQ	-4.21%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.05% -89.1% YoY -10.7% QoQ	-0.81%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	Top 8.3% in tier
Loan-to-Deposit Ratio ?	121.96% -4.5% YoY -1.6% QoQ	+36.93%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Bottom 1.8% in tier
Non-Interest-Bearing Deposit Share ?	3.03% -2.2% YoY +13.1% QoQ	-18.24%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	Bottom 2.8% in tier
Nonperforming Asset Ratio ?	0.05% -89.0% YoY -75.9% QoQ	-0.62%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	Top 9.3% in tier
Tier 1 Capital Ratio ?	9.92% +1.0% YoY -0.2% QoQ	-4.92%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 5.2% in tier
Non-Interest Income / Assets ?	0.08% -23.4% YoY +16.4% QoQ	-0.45%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Bottom 5.6% 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	3.0% -0.1pp YoY +0.4pp QoQ	-18.3pp	21.4%	18.8%	22.2%	2%
Brokered Deposits	8.7% +5.0pp YoY +1.3pp QoQ	-0.7pp	9.5%	9.4%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	14.3% +1.0pp YoY 0.0pp QoQ	+0.3pp	14.0%	10.9%	12.5%	64%
CRE	47.7% -2.6pp YoY -1.6pp QoQ	-2.3pp	50.0%	42.4%	41.4%	43%
1-4 Family	36.0% +1.6pp YoY +1.4pp QoQ	+9.6pp	26.4%	39.8%	31.3%	77%
Consumer	2.6% +0.1pp YoY +0.3pp QoQ	-2.1pp	4.7%	4.5%	5.0%	70%

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	9.9% +0.1pp YoY 0.0pp QoQ	-1.4pp	11.3%	11.4%	12.6%	35%
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	67 +5 (+8.1%) YoY +3 (+4.7%) QoQ	-247	313	270	482	2%
Assets per Employee ($)	$16.8M -4.3% YoY -4.2% QoQ	+$6.3M	$10.5M	$7.1M	$8.8M	92%
Branch Count	1 0 YoY 0 QoQ	-19	20	17	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.1% -0.4pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.7%	1.0%	6%
Allowance Coverage	14.13x +755.1% YoY +14.1% QoQ	-4.58x	18.71x	28.97x	20.23x	92%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	10.3% +2.5pp YoY -0.3pp QoQ	-2.3pp	12.6%	10.9%	11.6%	36%
Cost of Funds (YTD)	3.4% -0.6pp YoY 0.0pp QoQ	+1.5pp	1.9%	2.0%	1.7%	99%
Net Income ($, YTD)	$5.6M +37.7% YoY — QoQ	-$13.6M	$19.2M	$16.7M	$40.4M	15%

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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

#32 of 222 • Bottom 14.0% 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: 9.92%

(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)

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.87%

#74 of 882 Top 8.3% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#83 of 885 Top 9.3% in $1B-$10B

Top Weaknesses (7 metrics)

870

Loan-to-Deposit Ratio

liquidity

Value: 121.96%

Peer Median: 85.04%

#870 of 885 Bottom 1.8% in $1B-$10B

861

Non-Interest-Bearing Deposit Share

funding

Value: 3.03%

Peer Median: 21.27%

#861 of 885 Bottom 2.8% in $1B-$10B

840

Tier 1 Capital Ratio

capital

Value: 9.92%

Peer Median: 14.84%

#840 of 885 Bottom 5.2% in $1B-$10B

839

Total Deposits

size

Value: $879.69M

Peer Median: $2.32B

#839 of 885 Bottom 5.3% in $1B-$10B

836

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#836 of 885 Bottom 5.6% in $1B-$10B

833

Net Interest Margin

profitability

Value: 2.62%

Peer Median: 3.87%

#833 of 885 Bottom 6.0% in $1B-$10B

782

Total Assets

size

Value: $1.12B

Peer Median: $2.79B

#782 of 885 Bottom 11.8% in $1B-$10B