BlastPoint's Banking Scorecard
SmartBank
Pigeon Forge, TN
43 branches across TN · AL · FL
SmartBank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.25% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.5% in tier
- - ROA 0.32% below tier average
- - Net Interest Margin 0.30% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
+9.1% YoY
+0.8% QoQ
|
+$3.1B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Top 10.7% in tier |
| Total Loans ? |
$4.5B
+13.2% YoY
+3.4% QoQ
|
+$2.5B |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Top 8.8% in tier |
| Total Deposits ? |
$5.2B
+8.0% YoY
+0.7% QoQ
|
+$2.9B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Top 10.0% in tier |
| Return on Assets ? |
1.04%
+15.2% YoY
+4.5% QoQ
|
-0.32% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.52%
+9.6% YoY
+4.7% QoQ
|
-0.30% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
57.81%
-12.4% YoY
-5.1% QoQ
|
-3.25% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.27%
+38.6% YoY
+23.4% QoQ
|
-0.62% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
86.17%
+4.8% YoY
+2.7% QoQ
|
+1.97% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
18.38%
-0.6% YoY
-11.5% QoQ
|
-2.91% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.21%
+41.3% YoY
+26.7% QoQ
|
-0.47% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
11.47%
+9.1% YoY
-0.3% QoQ
|
-3.69% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.13%
-15.1% YoY
-79.3% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
46% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.