BlastPoint's Banking Scorecard

Lineage Bank

$100M-$1B Specialty: Commercial TN FDIC cert 6100

Franklin, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits -1.6% year over year ($170.6M on the books).
Delinquency rate 1.20%.
Return on assets -5.11%.
Efficiency ratio 260.32% vs a 64.48% peer average.
Loan-to-deposit ratio 71.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Lineage Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 6.43% below tier average
- Net Interest Margin 1.59% below tier average
- Efficiency Ratio 195.84% above tier average
- Non-Interest-Bearing Deposit Share 13.92% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- Delinquency Rate 0.29% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$197.7M +5.0% YoY +6.2% QoQ	-$188.8M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$122.6M +9.0% YoY +12.1% QoQ	-$135.7M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$170.6M -1.6% YoY +2.8% QoQ	-$156.2M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	-5.11% +1.4% YoY +2.6% QoQ	-6.43%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Bottom 0.2% in tier
Net Interest Margin ?	2.39% +35.7% YoY +2.8% QoQ	-1.59%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	Bottom 2.4% in tier
Efficiency Ratio ?	260.32% -10.9% YoY -13.9% QoQ	+195.84%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Bottom 0.2% in tier
Delinquency Rate ?	1.20%	+0.29%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	71.88% +10.7% YoY +9.1% QoQ	-6.07%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	8.11% +4.8% YoY -4.1% QoQ	-13.92%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	Bottom 7.3% in tier
Nonperforming Asset Ratio ?	0.75% +5.9% YoY	+0.08%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	19.91% +90.8% YoY +15.0% QoQ	+4.01%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Top 14.1% in tier
Non-Interest Income / Assets ?	0.06% +74.1% YoY +96.7% QoQ	-0.51%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Bottom 7.4% in tier

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	8.1% +0.4pp YoY -0.3pp QoQ	-14.0pp	22.1%	18.8%	22.2%	7%
Brokered Deposits	33.1% -5.0pp YoY -2.0pp QoQ	+25.3pp	7.9%	9.4%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	11.0% +3.1pp YoY +3.2pp QoQ	-0.6pp	11.6%	10.9%	12.5%	58%
CRE	41.7% -5.0pp YoY -2.3pp QoQ	+2.2pp	39.5%	42.4%	41.4%	56%
1-4 Family	47.8% +2.2pp YoY -0.9pp QoQ	+15.2pp	32.6%	39.8%	31.3%	80%
Consumer	0.8% 0.0pp YoY +0.1pp QoQ	-3.3pp	4.1%	4.5%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	19.9% +9.5pp YoY +2.6pp QoQ	+1.1pp	18.8%	14.8%	19.7%	77%
Leverage Ratio	15.2% +8.4pp YoY +2.3pp QoQ	+3.0pp	12.2%	11.4%	12.6%	88%
Total Capital Ratio	21.2% +9.7pp YoY +2.7pp QoQ	+1.2pp	19.9%	15.9%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	33 -10 (-23.3%) YoY +1 (+3.1%) QoQ	-26	58	270	482	31%
Assets per Employee ($)	$6.0M +36.8% YoY +3.0% QoQ	-$1.5M	$7.5M	$7.1M	$8.8M	33%
Branch Count	2 -1 (-33.3%) YoY -1 (-33.3%) QoQ	-3	4	17	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.2% +1.2pp YoY	+0.3pp	0.9%	0.7%	1.0%	76%
Allowance Coverage	1.49x -98.2% YoY	-22.67x	24.15x	28.97x	20.23x	39%
Net Charge-off Rate (YTD)	0.0% -2.8pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	-55.3% +44.9pp YoY +16.9pp QoQ	-67.5pp	12.2%	10.9%	11.6%	0%
Cost of Funds (YTD)	3.0% -0.8pp YoY -0.1pp QoQ	+1.2pp	1.7%	2.0%	1.7%	97%
Net Income ($, YTD)	$-4662000.0 +11.6% YoY — QoQ	-$7.2M	$2.6M	$16.7M	$40.4M	1%

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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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

373

Tier 1 Capital Ratio

capital

Value: 19.91%

Peer Median: 15.91%

#373 of 2643 Top 14.1% in $100M-$1B

Top Weaknesses (6 metrics)

2640

Efficiency Ratio

profitability

Value: 260.32%

Peer Median: 64.48%

#2640 of 2643 Bottom 0.2% in $100M-$1B

2639

Return on Assets

profitability

Value: -5.11%

Peer Median: 1.32%

#2639 of 2643 Bottom 0.2% in $100M-$1B

2581

Net Interest Margin

profitability

Value: 2.39%

Peer Median: 3.99%

#2581 of 2643 Bottom 2.4% in $100M-$1B

2451

Non-Interest-Bearing Deposit Share

funding

Value: 8.11%

Peer Median: 22.03%

#2451 of 2643 Bottom 7.3% in $100M-$1B

2449

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2449 of 2643 Bottom 7.4% in $100M-$1B

2002

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.92%

#2002 of 2633 Bottom 24.0% in $100M-$1B