BlastPoint's Banking Scorecard
Heritage Bank & Trust
Columbia, TN
5 branches across TN
Heritage Bank & Trust has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 14.9% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 4.29% below tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$417.9M
+3.7% YoY
+2.9% QoQ
|
+$31.8M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$347.1M
+16.1% YoY
+2.3% QoQ
|
+$91.4M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$373.7M
+1.2% YoY
+2.7% QoQ
|
+$45.7M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.55%
+146.7% YoY
+78.7% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.14%
+12.0% YoY
+3.3% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
60.99%
-19.0% YoY
-13.9% QoQ
|
-4.29% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.41%
-44.8% YoY
-3.3% QoQ
|
-0.48% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
92.89%
+14.8% YoY
-0.4% QoQ
|
+16.26% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
14.48%
-4.5% YoY
-2.3% QoQ
|
-7.54% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.34%
-66.8% YoY
-42.9% QoQ
|
-0.30% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.12%
-1.5% YoY
+1.7% QoQ
|
-5.71% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.0% in tier |
| Non-Interest Income / Assets ? |
0.38%
+171.0% YoY
-43.4% QoQ
|
+0.10% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 4.8% in tier |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.