BlastPoint's Banking Scorecard
Studio Bank
Designations: ✓ Community bank
Nashville, TN
2 branches across TN
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 +35.5% year over year ($1.2B on the books).
- Delinquency rate 1.04%.
- Return on assets 0.71%.
- Efficiency ratio 67.64% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.44% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Studio Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Net Interest Margin 0.63% below tier average
- - Efficiency Ratio 7.92% above tier average
- - Delinquency Rate 0.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+24.7% YoY
-0.9% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$1.0B
+26.5% YoY
+0.6% QoQ
|
-$943.6M |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$1.2B
+35.5% YoY
-1.5% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
0.71%
-8.8% YoY
+23.9% QoQ
|
-0.68% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.4% in tier |
| Net Interest Margin ? |
3.24%
+6.2% YoY
-1.2% QoQ
|
-0.63% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
67.64%
-4.5% YoY
-1.0% QoQ
|
+7.92% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
1.04%
+192.5% YoY
+325.6% QoQ
|
+0.18% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
87.44%
-6.6% YoY
+2.1% QoQ
|
+2.40% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
19.20%
+5.8% YoY
+24.5% QoQ
|
-2.07% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.06%
+97.1% YoY
+135.2% QoQ
|
+0.39% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
11.45%
-1.2% YoY
-0.2% QoQ
|
-3.39% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.20%
-40.4% YoY
+115.0% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
19.2%
+1.0pp YoY +3.8pp QoQ |
-2.2pp | 21.4% | 18.8% | 22.2% | 46% |
| Brokered Deposits |
29.4%
+15.3pp YoY +12.2pp QoQ |
+19.9pp | 9.5% | 9.4% | 8.5% | 94% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.5%
+0.3pp YoY -1.3pp QoQ |
+2.5pp | 14.0% | 10.9% | 12.5% | 71% |
| CRE |
58.4%
+1.6pp YoY +0.1pp QoQ |
+8.4pp | 50.0% | 42.4% | 41.4% | 72% |
| 1-4 Family |
25.6%
-1.7pp YoY +1.2pp QoQ |
-0.8pp | 26.4% | 39.8% | 31.3% | 56% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.5% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.4%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 15.6% | 14.8% | 19.7% | 16% |
| Leverage Ratio |
9.5%
-0.2pp YoY -0.3pp QoQ |
-1.8pp | 11.3% | 11.4% | 12.6% | 22% |
| Total Capital Ratio |
12.6%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 16.7% | 15.9% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
107
-3 (-2.7%) YoY -3 (-2.7%) QoQ |
-207 | 313 | 270 | 482 | 9% |
| Assets per Employee ($) |
$12.6M
+28.2% YoY +1.9% QoQ |
+$2.1M | $10.5M | $7.1M | $8.8M | 81% |
| Branch Count |
2
0 YoY 0 QoQ |
-18 | 20 | 17 | 18 | 5% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.2% | 0.4% | 22% |
| Nonaccrual |
1.0%
+0.7pp YoY +0.8pp QoQ |
+0.2pp | 0.8% | 0.7% | 1.0% | 75% |
| Allowance Coverage |
1.13x
-65.1% YoY -76.0% QoQ |
-17.58x | 18.71x | 28.97x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
-0.9pp YoY +1.5pp QoQ |
-5.0pp | 12.6% | 10.9% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.6%
-0.4pp YoY 0.0pp QoQ |
+0.7pp | 1.9% | 2.0% | 1.7% | 87% |
| Net Income ($, YTD) |
$4.7M
+14.3% YoY — QoQ |
-$14.5M | $19.2M | $16.7M | $40.4M | 10% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.