BlastPoint's Banking Scorecard
The First National Bank of Oneida
Designations: ✓ CDFI-certified
Oneida, TN
4 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 +6.4% year over year ($328.0M on the books).
- Delinquency rate 0.28%.
- Return on assets 1.97%.
- Efficiency ratio 53.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Oneida shows strong momentum with 4 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.58% above tier average
- + Efficiency Ratio 10.82% below tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$367.8M
+7.4% YoY
-0.0% QoQ
|
-$18.8M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$226.0M
+9.3% YoY
+2.5% QoQ
|
-$32.4M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$328.0M
+6.4% YoY
-0.6% QoQ
|
+$1.2M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.97%
-0.1% YoY
+2.8% QoQ
|
+0.64% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Top 13.8% in tier |
| Net Interest Margin ? |
4.57%
+3.5% YoY
+2.3% QoQ
|
+0.58% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
53.66%
-3.7% YoY
-0.3% QoQ
|
-10.82% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.28%
-9.8% YoY
+51.2% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
68.90%
+2.7% YoY
+3.2% QoQ
|
-9.05% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
+1.7% YoY
+4.1% QoQ
|
+0.91% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.17%
-8.2% YoY
+55.1% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
18.69%
+0.7% YoY
+0.5% QoQ
|
+2.78% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.33%
+1.3% YoY
+100.4% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.9%
+0.4pp YoY +0.9pp QoQ |
+0.8pp | 22.1% | 18.8% | 22.2% | 59% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
-0.7pp YoY +0.1pp QoQ |
-6.5pp | 11.6% | 10.9% | 12.5% | 20% |
| CRE |
41.6%
+1.6pp YoY -0.2pp QoQ |
+2.1pp | 39.5% | 42.4% | 41.4% | 56% |
| 1-4 Family |
48.0%
-0.8pp YoY +0.1pp QoQ |
+15.3pp | 32.6% | 39.8% | 31.3% | 80% |
| Consumer |
5.2%
-0.7pp YoY -0.2pp QoQ |
+1.1pp | 4.1% | 4.5% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.7%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 18.8% | 14.8% | 19.7% | 73% |
| Leverage Ratio |
11.0%
+0.1pp YoY +0.2pp QoQ |
-1.2pp | 12.2% | 11.4% | 12.6% | 50% |
| Total Capital Ratio |
20.0%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 19.9% | 15.9% | 20.8% | 74% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
0 YoY +2 (+3.8%) QoQ |
-5 | 58 | 270 | 482 | 57% |
| Assets per Employee ($) |
$6.8M
+7.4% YoY -3.7% QoQ |
-$708K | $7.5M | $7.1M | $8.8M | 49% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 55% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 25% |
| Allowance Coverage |
9.85x
+14.9% YoY -33.8% QoQ |
-14.30x | 24.15x | 28.97x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.9%
-2.1pp YoY +0.3pp QoQ |
+8.7pp | 12.2% | 10.9% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 2.0% | 1.7% | 58% |
| Net Income ($, YTD) |
$3.6M
+8.1% YoY — QoQ |
+$1.0M | $2.6M | $16.7M | $40.4M | 76% |
Get Full Access to The First National Bank of Oneida
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.