BlastPoint's Banking Scorecard

The First National Bank of Middle Tennessee

$100M-$1B Specialty: Commercial TN FDIC cert 4952

Mcminnville, TN

11 branches across TN

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

The First National Bank of Middle Tennessee has 2 strengths but faces 5 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 44.6% in tier
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 30.5% in tier
- Liquidity Strain: Bottom 39.7% in tier
- ROA 0.22% below tier average
- Net Interest Margin 0.46% below tier average
- Efficiency Ratio 1.38% above 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 ?	$940.5M +3.7% YoY +0.3% QoQ	+$554.4M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 2.2% in tier
Total Loans ?	$762.7M +8.9% YoY +5.1% QoQ	+$506.9M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 0.8% in tier
Total Deposits ?	$829.5M +3.8% YoY +0.2% QoQ	+$501.5M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 1.4% in tier
Return on Assets ?	1.05% +75.3% YoY +34.8% QoQ	-0.22%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.47% +13.5% YoY +7.6% QoQ	-0.46%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	66.67% -14.5% YoY -8.0% QoQ	+1.38%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	0.73% -34.3% YoY -31.1% QoQ	-0.16%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	91.95% +4.9% YoY +4.9% QoQ	+15.31%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	15.09% -2.0% YoY -3.3% QoQ	-6.93%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.59% -37.1% YoY -27.7% QoQ	-0.04%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	10.03% -34.1% YoY -32.7% QoQ	-5.80%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Bottom 10.1% in tier
Non-Interest Income / Assets ?	0.28% +66.6% YoY -64.9% QoQ	+0.00%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 7.4% 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 (1)

Revenue Diversifier

growth

#298 of 666 • Top 44.6% 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: 0.28%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.05%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#204 of 666 • Bottom 30.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Liquidity Strain

risk

#256 of 643 • Bottom 39.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.95%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 (4 metrics)

Total Loans

size

Value: $762.65M

Peer Median: $255.72M

#22 of 2664 Top 0.8% in $100M-$1B

Total Deposits

size

Value: $829.46M

Peer Median: $327.97M

#39 of 2664 Top 1.4% in $100M-$1B

Total Assets

size

Value: $940.51M

Peer Median: $386.08M

#59 of 2664 Top 2.2% in $100M-$1B

197

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#197 of 2664 Top 7.4% in $100M-$1B

Top Weaknesses (3 metrics)

2396

Tier 1 Capital Ratio

capital

Value: 10.03%

Peer Median: 15.83%

#2396 of 2664 Bottom 10.1% in $100M-$1B

2115

Loan-to-Deposit Ratio

liquidity

Value: 91.95%

Peer Median: 76.64%

#2115 of 2664 Bottom 20.6% in $100M-$1B

2008

Non-Interest-Bearing Deposit Share

funding

Value: 15.09%

Peer Median: 22.02%

#2008 of 2664 Bottom 24.7% in $100M-$1B