BlastPoint's Banking Scorecard
Lineage Bank
Franklin, TN
3 branches across TN
Lineage Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 25.5% in tier
- - Return on Assets 6.52% below tier average
- - Net Interest Margin 1.60% below tier average
- - Efficiency Ratio 237.21% above tier average
- - Non-Interest-Bearing Deposit Share 13.56% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.2M
-6.5% YoY
+13.9% QoQ
|
-$199.9M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$109.3M
-4.0% YoY
+2.4% QoQ
|
-$146.4M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$166.0M
-9.2% YoY
+7.6% QoQ
|
-$162.0M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
-5.25%
+24.1% YoY
-28.0% QoQ
|
-6.52% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.2% in tier |
| Net Interest Margin ? |
2.33%
+46.8% YoY
+18.5% QoQ
|
-1.60% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio ? |
302.50%
-8.2% YoY
+28.0% QoQ
|
+237.21% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.87%
+5.8% YoY
-4.8% QoQ
|
-10.76% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
8.46%
+5.2% YoY
+30.6% QoQ
|
-13.56% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.31%
+42.4% YoY
+94.9% QoQ
|
+1.48% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.03%
+113.9% YoY
-93.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.1% 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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.