BlastPoint's Banking Scorecard

Studio Bank

$1B-$10B Specialty: Commercial TN FDIC cert 59112

Designations: ✓ Community bank

Nashville, TN

2 branches across TN

884 banks in the $1B-$10B peer group nationally 28 in TN

Studio Bank has 1 strength but faces 3 concerns

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

+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.79% below tier average
- Net Interest Margin 0.54% below tier average
- Efficiency Ratio 7.29% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$1.4B +29.2% YoY +9.1% QoQ	-$1.5B	$2.8B -0.1% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$1.0B +32.7% YoY +7.4% QoQ	-$951.6M	$2.0B +0.6% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$1.2B +28.0% YoY +10.7% QoQ	-$1.2B	$2.3B -0.3% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	29%
Return on Assets ?	0.58% -23.3% YoY -29.1% QoQ	-0.79%	1.37% +19.6% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Bottom 11.2% in tier
Net Interest Margin ?	3.28% +8.2% YoY +3.7% QoQ	-0.54%	3.82% +6.9% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	68.35% -1.4% YoY +0.6% QoQ	+7.29%	61.06% -4.6% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.25% -59.2% YoY -47.7% QoQ	-0.64%	0.89% +14.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	85.61% +3.6% YoY -3.0% QoQ	+1.40%	84.20% +0.3% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	15.42% -5.8% YoY -2.6% QoQ	-5.87%	21.29% -2.5% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.45% -20.4% YoY -16.0% QoQ	-0.22%	0.67% +15.6% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	11.48% -3.0% YoY -3.9% QoQ	-3.68%	15.16% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.09% -17.0% YoY -82.0% QoQ	-0.17%	0.26% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	28%

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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 (0)

No matched strength signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

786

Return on Assets

profitability

Value: 0.58%

Peer Median: 1.37%

#786 of 884 Bottom 11.2% in $1B-$10B

679

Tier 1 Capital Ratio

capital

Value: 11.48%

Peer Median: 15.16%

#679 of 884 Bottom 23.3% in $1B-$10B