BlastPoint's Banking Scorecard
The First National Bank of Oneida
Designations: ✓ CDFI-certified
Oneida, TN
4 branches across TN
The First National Bank of Oneida shows strong momentum with 4 strengths and 8.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.53% above tier average
- + Efficiency Ratio 11.46% below tier average
- + Delinquency Rate 0.70% 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 ? |
$367.9M
+8.1% YoY
+2.9% QoQ
|
-$18.2M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$220.4M
+11.2% YoY
+4.0% QoQ
|
-$35.3M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$329.9M
+7.5% YoY
+3.3% QoQ
|
+$2.0M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
1.91%
-4.1% YoY
+8.9% QoQ
|
+0.64% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Top 14.8% in tier |
| Net Interest Margin ? |
4.46%
+3.7% YoY
-0.1% QoQ
|
+0.53% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
53.83%
+0.3% YoY
-3.5% QoQ
|
-11.46% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
0.19%
-65.3% YoY
-79.1% QoQ
|
-0.70% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
66.80%
+3.4% YoY
+0.7% QoQ
|
-9.84% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
22.05%
-1.8% YoY
-6.5% QoQ
|
+0.03% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.11%
-64.3% YoY
-78.8% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
18.60%
+0.6% YoY
-0.1% QoQ
|
+2.77% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.16%
+3.6% YoY
-75.1% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.