BlastPoint's Banking Scorecard
Traditions First Bank
Erin, TN
5 branches across TN
Traditions First Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.4% in tier
- - NIB Deposit Bleed: Bottom 14.7% in tier
- - Capital Thin: Bottom 40.4% in tier
- - Credit Risk Growth: Bottom 42.2% in tier
- - ROA 0.40% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 3.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$339.4M
+5.2% YoY
+5.2% QoQ
|
-$46.7M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$258.6M
+11.5% YoY
+2.5% QoQ
|
+$2.9M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$301.2M
+5.7% YoY
+5.6% QoQ
|
-$26.8M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.87%
+9.0% YoY
+4.5% QoQ
|
-0.40% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.78%
+8.3% YoY
+2.2% QoQ
|
-0.15% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
69.16%
-1.4% YoY
-0.3% QoQ
|
+3.88% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? | 0.01% | -0.88% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 14.2% in tier |
| Loan-to-Deposit Ratio ? |
85.86%
+5.5% YoY
-2.9% QoQ
|
+9.22% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
14.78%
-50.3% YoY
-6.7% QoQ
|
-7.24% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? | 0.01% | -0.63% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.7% in tier |
| Tier 1 Capital Ratio ? |
10.06%
+3.5% YoY
+2.7% QoQ
|
-5.77% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.3% in tier |
| Non-Interest Income / Assets ? |
0.08%
+1.3% YoY
-70.4% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
41% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.