BlastPoint's Banking Scorecard
Peoples Bank of East Tennessee
Madisonville, TN
12 branches across TN · GA
Peoples Bank of East Tennessee shows strong momentum with 4 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 65.8% in tier
- + ROA 0.16% above tier average
- + Efficiency Ratio 0.60% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$456.1M
+6.5% YoY
+4.4% QoQ
|
+$70.0M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$297.8M
+18.2% YoY
+2.9% QoQ
|
+$42.1M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$409.1M
+5.8% YoY
+4.5% QoQ
|
+$81.1M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.43%
+10.7% YoY
+0.4% QoQ
|
+0.16% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.95%
+5.2% YoY
+0.0% QoQ
|
+1.02% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 7.8% in tier |
| Efficiency Ratio ? |
64.69%
-1.7% YoY
+3.4% QoQ
|
-0.60% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.27%
-23.3% YoY
-31.0% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
72.80%
+11.7% YoY
-1.6% QoQ
|
-3.84% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
30.05%
+1.4% YoY
+7.1% QoQ
|
+8.03% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.18%
-14.8% YoY
-32.0% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
10.88%
+0.3% YoY
+0.5% QoQ
|
-4.95% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.14%
+5.9% YoY
-77.2% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
69% |
Get Full Access to Peoples Bank of East Tennessee
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.