BlastPoint's Banking Scorecard

First Freedom Bank

$100M-$1B Specialty: Commercial TN FDIC cert 58208

Lebanon, TN

6 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

First Freedom Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 6.2% in tier
+ Revenue Diversifier: Top 9.9% in tier
+ Efficiency Ratio 27.33% below tier average
+ Net Interest Margin 0.23% above tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Freedom Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$781.1M +1.5% YoY +0.5% QoQ	+$395.0M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 8.9% in tier
Total Loans ?	$647.1M +10.1% YoY +0.8% QoQ	+$391.4M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 4.3% in tier
Total Deposits ?	$676.7M -0.5% YoY +1.6% QoQ	+$348.7M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 8.5% in tier
Return on Assets ?	2.41% +119.8% YoY +64.0% QoQ	+1.14%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 5.6% in tier
Net Interest Margin ?	4.16% +18.2% YoY +6.3% QoQ	+0.23%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	37.96% -29.3% YoY -23.4% QoQ	-27.33%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Top 2.5% in tier
Delinquency Rate ?	0.54% +493.1% YoY +516.4% QoQ	-0.35%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	95.63% +10.7% YoY -0.8% QoQ	+18.99%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Bottom 14.7% in tier
Non-Interest-Bearing Deposit Share ?	10.08% +5.6% YoY -6.2% QoQ	-11.94%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	Bottom 11.0% in tier
Nonperforming Asset Ratio ?	0.44% +543.4% YoY +518.5% QoQ	-0.19%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	12.56% +17.3% YoY +1.9% QoQ	-3.27%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.35% +453.9% YoY +29.6% QoQ	+0.07%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 5.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#42 of 666 • Top 6.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.41%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#67 of 666 • Top 9.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.35%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.41%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 37.96%

Peer Median: 65.29%

#68 of 2664 Top 2.5% in $100M-$1B

116

Total Loans

size

Value: $647.11M

Peer Median: $255.72M

#116 of 2664 Top 4.3% in $100M-$1B

144

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.28%

#144 of 2664 Top 5.4% in $100M-$1B

150

Return on Assets

profitability

Value: 2.41%

Peer Median: 1.27%

#150 of 2664 Top 5.6% in $100M-$1B

227

Total Deposits

size

Value: $676.68M

Peer Median: $327.97M

#227 of 2664 Top 8.5% in $100M-$1B

239

Total Assets

size

Value: $781.12M

Peer Median: $386.08M

#239 of 2664 Top 8.9% in $100M-$1B

Top Weaknesses (2 metrics)

2373

Non-Interest-Bearing Deposit Share

funding

Value: 10.08%

Peer Median: 22.02%

#2373 of 2664 Bottom 11.0% in $100M-$1B

2274

Loan-to-Deposit Ratio

liquidity

Value: 95.63%

Peer Median: 76.64%

#2274 of 2664 Bottom 14.7% in $100M-$1B