BlastPoint's Banking Scorecard
First Farmers & Commercial Bank
Pikeville, TN
4 branches across TN
First Farmers & Commercial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.4% in tier
- - Efficiency Ratio 8.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$223.8M
+3.6% YoY
+1.5% QoQ
|
-$162.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$165.2M
+7.1% YoY
+0.3% QoQ
|
-$90.5M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$200.4M
+3.3% YoY
+1.5% QoQ
|
-$127.5M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.77%
-14.4% YoY
-7.6% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.99%
+2.4% YoY
-1.8% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
73.61%
+6.7% YoY
+2.1% QoQ
|
+8.32% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.07%
-87.5% YoY
-77.0% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
82.44%
+3.7% YoY
-1.2% QoQ
|
+5.81% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
20.08%
-7.2% YoY
-4.1% QoQ
|
-1.94% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.05%
-87.7% YoY
-77.3% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
14.20%
-2.0% YoY
-2.9% QoQ
|
-1.63% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.07%
-11.2% YoY
-78.8% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.