BlastPoint's Banking Scorecard
First Vision Bank of Tennessee
Tullahoma, TN
5 branches across TN
First Vision Bank of Tennessee faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 44.2% in tier
- - Nonperforming Asset Ratio 1.42% above tier average
- - ROA 0.31% below tier average
- - Efficiency Ratio 5.06% above tier average
- - Delinquency Rate 0.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$423.7M
-9.1% YoY
-0.4% QoQ
|
+$37.6M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$286.3M
-1.3% YoY
-3.4% QoQ
|
+$30.6M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$367.0M
-11.1% YoY
-0.6% QoQ
|
+$39.0M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
0.96%
+20.6% YoY
+10.2% QoQ
|
-0.31% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.91%
+32.0% YoY
+10.6% QoQ
|
-0.02% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
70.35%
+0.9% YoY
+0.7% QoQ
|
+5.06% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.13%
-52.7% YoY
+490.6% QoQ
|
+0.24% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
78.00%
+11.1% YoY
-2.8% QoQ
|
+1.36% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
18.32%
+18.0% YoY
+9.4% QoQ
|
-3.69% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
2.05%
+38.7% YoY
+44.6% QoQ
|
+1.42% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.4% in tier |
| Tier 1 Capital Ratio ? |
18.82%
+5.5% YoY
+4.1% QoQ
|
+2.99% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.08%
-11.7% YoY
-78.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
37% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.