BlastPoint's Banking Scorecard

Southern Bank of Tennessee

$100M-$1B Specialty: Commercial TN FDIC cert 34847

Mount Juliet, TN

5 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 +13.5% year over year ($469.4M on the books).
Delinquency rate 0.05%.
Return on assets 1.27%.
Efficiency ratio 70.31% vs a 64.48% peer average.
Loan-to-deposit ratio 83.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Southern Bank of Tennessee has 1 strength but faces 4 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

+ Credit Quality Leader: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.5% in tier
- Credit Risk Growth: Bottom 30.5% in tier
- ROA 0.05% below tier average
- Efficiency Ratio 5.83% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$533.4M +12.6% YoY +8.8% QoQ	+$146.8M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$390.9M +8.0% YoY +3.3% QoQ	+$132.5M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$469.4M +13.5% YoY +9.8% QoQ	+$142.6M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.27% +45.4% YoY -29.5% QoQ	-0.05%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	4.00% +9.3% YoY -1.0% QoQ	+0.01%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	70.31% -3.4% YoY -1.2% QoQ	+5.83%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	0.05% +294.1% YoY -33.9% QoQ	-0.87%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	83.28% -4.9% YoY -5.9% QoQ	+5.33%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	11.28% -1.1% YoY -4.1% QoQ	-10.75%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	Bottom 13.2% in tier
Nonperforming Asset Ratio ?	0.03% +277.9% YoY -37.3% QoQ	-0.63%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	9.01% -22.2% YoY -24.0% QoQ	-6.90%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 0.9% in tier
Non-Interest Income / Assets ?	0.14% +18.4% YoY +96.7% QoQ	-0.42%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	32%

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	11.3% -0.1pp YoY -0.5pp QoQ	-10.9pp	22.1%	18.8%	22.2%	13%
Brokered Deposits	4.6% +1.6pp YoY +1.5pp QoQ	-3.3pp	7.9%	9.4%	8.5%	49%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	6.2% -1.4pp YoY -1.2pp QoQ	-5.4pp	11.6%	10.9%	12.5%	27%
CRE	44.8% -4.8pp YoY -0.9pp QoQ	+5.2pp	39.5%	42.4%	41.4%	62%
1-4 Family	44.8% +3.9pp YoY 0.0pp QoQ	+12.2pp	32.6%	39.8%	31.3%	77%
Consumer	4.6% +2.4pp YoY +2.0pp QoQ	+0.5pp	4.1%	4.5%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	14.8%	19.7%	n/a
Leverage Ratio	9.0% 0.0pp YoY -0.5pp QoQ	-3.2pp	12.2%	11.4%	12.6%	12%
Total Capital Ratio	n/a	n/a	19.9%	15.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	73 +2 (+2.8%) YoY -4 (-5.2%) QoQ	+14	58	270	482	73%
Assets per Employee ($)	$7.3M +9.5% YoY +14.8% QoQ	-$212K	$7.5M	$7.1M	$8.8M	58%
Branch Count	5 0 YoY 0 QoQ	0	4	17	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	15%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	9%
Allowance Coverage	18.99x -74.3% YoY +51.0% QoQ	-5.16x	24.15x	28.97x	20.23x	88%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY +0.1pp QoQ	+0.1pp	0.1%	0.1%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	13.3% +3.8pp YoY -5.1pp QoQ	+1.1pp	12.2%	10.9%	11.6%	58%
Cost of Funds (YTD)	2.5% -0.2pp YoY +0.1pp QoQ	+0.8pp	1.7%	2.0%	1.7%	89%
Net Income ($, YTD)	$3.2M +56.8% YoY — QoQ	+$621K	$2.6M	$16.7M	$40.4M	72%

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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 (1)

Credit Quality Leader

growth

#38 of 659 • Top 5.6% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#95 of 1256 • Bottom 7.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#286 of 936 • Bottom 30.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

500

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#500 of 2643 Top 18.9% in $100M-$1B

536

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#536 of 2633 Top 20.3% in $100M-$1B

571

Total Loans

size

Value: $390.87M

Peer Median: $258.35M

#571 of 2643 Top 21.6% in $100M-$1B

612

Total Deposits

size

Value: $469.35M

Peer Median: $326.73M

#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (2 metrics)

2620

Tier 1 Capital Ratio

capital

Value: 9.01%

Peer Median: 15.91%

#2620 of 2643 Bottom 0.9% in $100M-$1B

2295

Non-Interest-Bearing Deposit Share

funding

Value: 11.28%

Peer Median: 22.03%

#2295 of 2643 Bottom 13.2% in $100M-$1B