BlastPoint's Banking Scorecard
First Farmers & Commercial Bank
Pikeville, 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 +2.0% year over year ($202.8M on the books).
- Delinquency rate 0.07%.
- Return on assets 0.82%.
- Efficiency ratio 72.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Farmers & Commercial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency Ratio 8.19% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.4M
+2.4% YoY
+1.1% QoQ
|
-$160.2M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$162.9M
+5.0% YoY
-1.4% QoQ
|
-$95.4M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$202.8M
+2.0% YoY
+1.2% QoQ
|
-$124.0M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
0.82%
+1.8% YoY
+6.7% QoQ
|
-0.51% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
4.12%
+4.7% YoY
+3.3% QoQ
|
+0.13% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
72.67%
-0.2% YoY
-1.3% QoQ
|
+8.19% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.07%
-93.4% YoY
+0.5% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
80.34%
+3.0% YoY
-2.6% QoQ
|
+2.39% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
20.54%
-5.0% YoY
+2.3% QoQ
|
-1.49% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.05%
-93.2% YoY
-2.0% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
14.54%
+2.0% YoY
+2.5% QoQ
|
-1.36% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.13%
-10.2% YoY
+96.4% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
28% |
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 |
20.5%
-1.1pp YoY +0.5pp QoQ |
-1.6pp | 22.1% | 18.8% | 22.2% | 47% |
| 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 |
5.9%
-1.3pp YoY -0.2pp QoQ |
-5.7pp | 11.6% | 10.9% | 12.5% | 25% |
| CRE |
50.4%
0.0pp YoY -0.7pp QoQ |
+10.8pp | 39.5% | 42.4% | 41.4% | 70% |
| 1-4 Family |
38.5%
+0.4pp YoY +1.1pp QoQ |
+5.9pp | 32.6% | 39.8% | 31.3% | 68% |
| Consumer |
3.4%
+0.5pp YoY +0.1pp QoQ |
-0.8pp | 4.1% | 4.5% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
+0.3pp YoY +0.3pp QoQ |
-4.3pp | 18.8% | 14.8% | 19.7% | 45% |
| Leverage Ratio |
9.9%
+0.3pp YoY -0.2pp QoQ |
-2.3pp | 12.2% | 11.4% | 12.6% | 28% |
| Total Capital Ratio |
15.8%
+0.3pp YoY +0.3pp QoQ |
-4.1pp | 19.9% | 15.9% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
51
-2 (-3.8%) YoY -2 (-3.8%) QoQ |
-8 | 58 | 270 | 482 | 54% |
| Assets per Employee ($) |
$4.4M
+6.4% YoY +5.1% QoQ |
-$3.1M | $7.5M | $7.1M | $8.8M | 8% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 14% |
| Allowance Coverage |
21.68x
+1345.5% YoY +1.3% QoQ |
-2.47x | 24.15x | 28.97x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
-0.2pp YoY +0.5pp QoQ |
-3.9pp | 12.2% | 10.9% | 11.6% | 27% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 2.0% | 1.7% | 78% |
| Net Income ($, YTD) |
$913,000
+4.1% YoY — QoQ |
-$1.6M | $2.6M | $16.7M | $40.4M | 24% |
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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.