BlastPoint's Banking Scorecard

The Bank of Milan

$100M-$1B Specialty: Other TN FDIC cert 33851

Milan, TN

2 branches across TN

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

The Bank of Milan has 5 strengths but faces 2 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

+ Revenue Diversifier: Top 3.0% in tier
+ Profitability Leader: Top 3.3% in tier
+ Credit Quality Leader: Top 45.6% in tier
+ Efficiency Ratio 20.19% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 27.3% in tier
- Net Interest Margin 0.56% below 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 ?	$104.5M -6.8% YoY -6.5% QoQ	-$281.6M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Bottom 1.6% in tier
Total Loans ?	$57.6M +1.0% YoY +5.3% QoQ	-$198.2M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Bottom 4.3% in tier
Total Deposits ?	$91.9M -10.5% YoY -6.7% QoQ	-$236.1M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Bottom 3.2% in tier
Return on Assets ?	2.82% +163.3% YoY +56.1% QoQ	+1.55%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 2.7% in tier
Net Interest Margin ?	3.37% +11.9% YoY +9.4% QoQ	-0.56%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	45.10% -30.6% YoY -13.0% QoQ	-20.19%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Top 9.1% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	62.61% +12.8% YoY +12.8% QoQ	-14.03%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	18.80% +2.6% YoY -6.1% QoQ	-3.22%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.01% +3.4% YoY +5.2% QoQ	+0.18%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.55% +446.9% YoY -56.3% QoQ	+0.27%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 2.9% in tier

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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 (3)

Revenue Diversifier

growth

#21 of 666 • Top 3.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.55%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.82%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#23 of 666 • Top 3.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.82%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#304 of 664 • Top 45.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#139 of 506 • Bottom 27.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 2.82%

Peer Median: 1.27%

#74 of 2664 Top 2.7% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.55%

Peer Median: 0.28%

#79 of 2664 Top 2.9% in $100M-$1B

243

Efficiency Ratio

profitability

Value: 45.10%

Peer Median: 65.29%

#243 of 2664 Top 9.1% in $100M-$1B

589

Loan-to-Deposit Ratio

liquidity

Value: 62.61%

Peer Median: 76.64%

#589 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (4 metrics)

2622

Total Assets

size

Value: $104.46M

Peer Median: $386.08M

#2622 of 2664 Bottom 1.6% in $100M-$1B

2579

Total Deposits

size

Value: $91.92M

Peer Median: $327.97M

#2579 of 2664 Bottom 3.2% in $100M-$1B

2551

Total Loans

size

Value: $57.55M

Peer Median: $255.72M

#2551 of 2664 Bottom 4.3% in $100M-$1B

2005

Net Interest Margin

profitability

Value: 3.37%

Peer Median: 3.93%

#2005 of 2664 Bottom 24.8% in $100M-$1B