BlastPoint's Banking Scorecard
TNBANK
Oak Ridge, TN
6 branches across TN
TNBANK faces 5 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 70.6% in tier
- - Non-Interest-Bearing Deposit Share 14.02% below tier average
- - ROA 0.60% below tier average
- - Net Interest Margin 0.07% below tier average
- - Delinquency Rate 0.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$310.9M
+4.5% YoY
+3.1% QoQ
|
-$75.2M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$221.8M
+3.0% YoY
-0.3% QoQ
|
-$33.9M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$271.8M
+5.4% YoY
+5.0% QoQ
|
-$56.2M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.66%
-40.3% YoY
-38.6% QoQ
|
-0.60% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.86%
-5.6% YoY
-9.4% QoQ
|
-0.07% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
73.22%
+9.5% YoY
+8.8% QoQ
|
+7.94% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
1.20%
-18.0% YoY
-16.0% QoQ
|
+0.31% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
81.60%
-2.3% YoY
-5.1% QoQ
|
+4.96% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
8.00%
+3.2% YoY
+6.2% QoQ
|
-14.02% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.2% in tier |
| Nonperforming Asset Ratio ? |
0.85%
-19.2% YoY
-18.8% QoQ
|
+0.22% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.02%
+6.9% YoY
+1.4% QoQ
|
-2.81% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.06%
-33.8% YoY
-78.7% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
23% |
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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.