BlastPoint's Banking Scorecard
TNBANK
Oak Ridge, TN
6 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 +11.7% year over year ($277.0M on the books).
- Delinquency rate 1.35%.
- Return on assets 0.72%.
- Efficiency ratio 71.68% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TNBANK faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 61.6% in tier
- - Non-Interest-Bearing Deposit Share 13.71% below tier average
- - ROA 0.60% below tier average
- - Delinquency Rate 0.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.1M
+11.4% YoY
+2.3% QoQ
|
-$68.5M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$232.3M
+9.1% YoY
+4.7% QoQ
|
-$26.0M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$277.0M
+11.7% YoY
+1.9% QoQ
|
-$49.7M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.72%
-31.3% YoY
+8.2% QoQ
|
-0.60% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
4.01%
-4.8% YoY
+3.8% QoQ
|
+0.02% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
71.68%
+8.6% YoY
-2.1% QoQ
|
+7.20% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
1.35%
-13.3% YoY
+13.0% QoQ
|
+0.43% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
83.86%
-2.3% YoY
+2.8% QoQ
|
+5.91% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
8.33%
+2.8% YoY
+4.1% QoQ
|
-13.71% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.6% in tier |
| Nonperforming Asset Ratio ? |
0.99%
-15.1% YoY
+15.7% QoQ
|
+0.32% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
12.31%
-3.6% YoY
-5.4% QoQ
|
-3.60% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.11%
-31.8% YoY
+97.2% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
22% |
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 |
8.3%
+0.2pp YoY +0.3pp QoQ |
-13.8pp | 22.1% | 18.8% | 22.2% | 7% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.6%
+0.2pp YoY -0.2pp QoQ |
-6.0pp | 11.6% | 10.9% | 12.5% | 23% |
| CRE |
50.7%
-2.1pp YoY +2.7pp QoQ |
+11.2pp | 39.5% | 42.4% | 41.4% | 71% |
| 1-4 Family |
44.5%
+1.9pp YoY -2.6pp QoQ |
+11.9pp | 32.6% | 39.8% | 31.3% | 76% |
| Consumer |
0.3%
0.0pp YoY +0.1pp QoQ |
-3.8pp | 4.1% | 4.5% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-0.4pp YoY -0.7pp QoQ |
-6.5pp | 18.8% | 14.8% | 19.7% | 20% |
| Leverage Ratio |
10.6%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 12.2% | 11.4% | 12.6% | 43% |
| Total Capital Ratio |
13.4%
-0.4pp YoY -0.8pp QoQ |
-6.6pp | 19.9% | 15.9% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
+4 (+8.7%) YoY 0 QoQ |
-9 | 58 | 270 | 482 | 53% |
| Assets per Employee ($) |
$6.4M
+2.5% YoY +2.3% QoQ |
-$1.2M | $7.5M | $7.1M | $8.8M | 40% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 17 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.4%
-0.2pp YoY +0.2pp QoQ |
+0.4pp | 0.9% | 0.7% | 1.0% | 79% |
| Allowance Coverage |
0.86x
+12.8% YoY -13.0% QoQ |
-23.29x | 24.15x | 28.97x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
-4.3pp YoY +0.6pp QoQ |
-3.9pp | 12.2% | 10.9% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 2.0% | 1.7% | 59% |
| Net Income ($, YTD) |
$1.1M
-26.6% YoY — QoQ |
-$1.4M | $2.6M | $16.7M | $40.4M | 30% |
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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)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.