BlastPoint's Banking Scorecard

The First National Bank of Middle Tennessee

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

Mcminnville, TN

10 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 +3.3% year over year ($827.7M on the books).
Delinquency rate 0.23%.
Return on assets 1.04%.
Efficiency ratio 66.09% vs a 64.48% peer average.
Loan-to-deposit ratio 94.65% 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) →

The First National Bank of Middle 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

+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 37.7% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 1.61% above tier average

Get updates when The First National Bank of Middle Tennessee releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$952.4M +4.6% YoY +1.3% QoQ	+$565.8M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Top 1.5% in tier
Total Loans ?	$783.5M +10.4% YoY +2.7% QoQ	+$525.2M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Top 0.5% in tier
Total Deposits ?	$827.7M +3.3% YoY -0.2% QoQ	+$501.0M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Top 1.1% in tier
Return on Assets ?	1.04% +47.9% YoY -1.0% QoQ	-0.29%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.54% +15.0% YoY +2.1% QoQ	-0.45%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	66.09% -11.3% YoY -0.9% QoQ	+1.61%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.23% -79.9% YoY -69.0% QoQ	-0.69%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	94.65% +6.9% YoY +2.9% QoQ	+16.70%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	15.38% -5.2% YoY +1.9% QoQ	-6.65%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.53% -44.8% YoY -10.4% QoQ	-0.14%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	38%
Tier 1 Capital Ratio ?	10.03% -34.4% YoY -0.0% QoQ	-5.88%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 11.1% in tier
Non-Interest Income / Assets ?	0.54% +39.8% YoY +90.7% QoQ	-0.03%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Top 8.4% in tier

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	15.4% -0.8pp YoY +0.3pp QoQ	-6.8pp	22.1%	18.8%	22.2%	25%
Brokered Deposits	5.1% +2.1pp YoY +1.9pp QoQ	-2.7pp	7.9%	9.4%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	9.0% +1.6pp YoY +0.5pp QoQ	-2.5pp	11.6%	10.9%	12.5%	47%
CRE	41.4% -0.4pp YoY +0.1pp QoQ	+1.8pp	39.5%	42.4%	41.4%	56%
1-4 Family	49.5% -1.1pp YoY -0.6pp QoQ	+16.9pp	32.6%	39.8%	31.3%	82%
Consumer	0.4% -0.1pp YoY 0.0pp QoQ	-3.7pp	4.1%	4.5%	5.0%	13%

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	10.0% -0.2pp YoY 0.0pp QoQ	-2.1pp	12.2%	11.4%	12.6%	32%
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	163 -3 (-1.8%) YoY -3 (-1.8%) QoQ	+104	58	270	482	98%
Assets per Employee ($)	$5.8M +6.6% YoY +3.1% QoQ	-$1.7M	$7.5M	$7.1M	$8.8M	30%
Branch Count	11 0 YoY 0 QoQ	+6	4	17	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.2%	0.4%	67%
Nonaccrual	0.0% -1.0pp YoY -0.5pp QoQ	-0.9pp	0.9%	0.7%	1.0%	5%
Allowance Coverage	4.26x +380.2% YoY +196.6% QoQ	-19.90x	24.15x	28.97x	20.23x	66%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY	+0.1pp	0.1%	0.1%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	10.8% +3.5pp YoY -0.2pp QoQ	-1.4pp	12.2%	10.9%	11.6%	41%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.7%	2.0%	1.7%	76%
Net Income ($, YTD)	$4.9M +54.4% YoY — QoQ	+$2.3M	$2.6M	$16.7M	$40.4M	87%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#250 of 661 • Bottom 37.7% 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: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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)

Total Loans

size

Value: $783.50M

Peer Median: $258.35M

#14 of 2643 Top 0.5% in $100M-$1B

Total Deposits

size

Value: $827.75M

Peer Median: $326.73M

#31 of 2643 Top 1.1% in $100M-$1B

Total Assets

size

Value: $952.38M

Peer Median: $386.57M

#41 of 2643 Top 1.5% in $100M-$1B

223

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.57%

#223 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (2 metrics)

2350

Tier 1 Capital Ratio

capital

Value: 10.03%

Peer Median: 15.91%

#2350 of 2643 Bottom 11.1% in $100M-$1B

2197

Loan-to-Deposit Ratio

liquidity

Value: 94.65%

Peer Median: 77.95%

#2197 of 2643 Bottom 16.9% in $100M-$1B