BlastPoint's Banking Scorecard
SmartBank
Pigeon Forge, TN
43 branches across TN · AL · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
- Deposits +10.6% year over year ($5.4B on the books).
- Delinquency rate 0.25%.
- Return on assets 1.12%.
- Efficiency ratio 57.61% vs a 59.73% peer average.
- Loan-to-deposit ratio 86.16% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
SmartBank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.12% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.6% in tier
- - ROA 0.27% below tier average
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+11.3% YoY
+3.5% QoQ
|
+$3.3B |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 9.7% in tier |
| Total Loans ? |
$4.6B
+13.6% YoY
+3.7% QoQ
|
+$2.7B |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 8.2% in tier |
| Total Deposits ? |
$5.4B
+10.6% YoY
+3.7% QoQ
|
+$3.1B |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 8.4% in tier |
| Return on Assets ? |
1.12%
+22.4% YoY
+7.4% QoQ
|
-0.27% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.56%
+9.0% YoY
+1.1% QoQ
|
-0.31% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
57.61%
-10.8% YoY
-0.3% QoQ
|
-2.12% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.25%
+27.5% YoY
-9.7% QoQ
|
-0.62% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
86.16%
+2.7% YoY
-0.0% QoQ
|
+1.13% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
17.24%
-7.7% YoY
-6.2% QoQ
|
-4.03% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.19%
+27.8% YoY
-9.6% QoQ
|
-0.49% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.38%
+9.3% YoY
-0.8% QoQ
|
-3.46% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.26%
-18.8% YoY
+92.2% QoQ
|
-0.27% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
42% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.2%
-1.4pp YoY -1.1pp QoQ |
-4.1pp | 21.4% | 18.8% | 22.2% | 35% |
| Brokered Deposits |
2.0%
-3.5pp YoY +2.0pp QoQ |
-7.5pp | 9.5% | 9.4% | 8.5% | 27% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.7%
-0.8pp YoY -0.2pp QoQ |
+3.7pp | 14.0% | 10.9% | 12.5% | 75% |
| CRE |
61.8%
+2.0pp YoY +0.3pp QoQ |
+11.7pp | 50.0% | 42.4% | 41.4% | 78% |
| 1-4 Family |
19.2%
-0.6pp YoY 0.0pp QoQ |
-7.2pp | 26.4% | 39.8% | 31.3% | 40% |
| Consumer |
0.4%
+0.1pp YoY +0.1pp QoQ |
-4.3pp | 4.7% | 4.5% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.4%
+1.0pp YoY -0.1pp QoQ |
-4.2pp | 15.6% | 14.8% | 19.7% | 15% |
| Leverage Ratio |
9.9%
+1.0pp YoY 0.0pp QoQ |
-1.5pp | 11.3% | 11.4% | 12.6% | 33% |
| Total Capital Ratio |
12.3%
+1.0pp YoY -0.1pp QoQ |
-4.4pp | 16.7% | 15.9% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
609
-3 (-0.5%) YoY +13 (+2.2%) QoQ |
+295 | 313 | 270 | 482 | 90% |
| Assets per Employee ($) |
$10.0M
+11.9% YoY +1.3% QoQ |
-$453K | $10.5M | $7.1M | $8.8M | 66% |
| Branch Count |
43
+1 (+2.4%) YoY 0 QoQ |
+23 | 20 | 17 | 18 | 91% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.7% | 1.0% | 25% |
| Allowance Coverage |
3.94x
-21.5% YoY +10.0% QoQ |
-14.77x | 18.71x | 28.97x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+1.2pp YoY +0.7pp QoQ |
-2.3pp | 12.6% | 10.9% | 11.6% | 37% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 2.0% | 1.7% | 57% |
| Net Income ($, YTD) |
$33.3M
+35.3% YoY — QoQ |
+$14.1M | $19.2M | $16.7M | $40.4M | 84% |
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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.