BlastPoint's Banking Scorecard
The Peoples Bank
Sardis, TN
5 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 +3.3% year over year ($100.7M on the books).
- Delinquency rate 1.22%.
- Return on assets 0.70%.
- Efficiency ratio 76.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43.3% in tier
- - ROA 0.63% below tier average
- - Efficiency Ratio 11.66% above tier average
- - Delinquency Rate 0.30% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.1M
+3.5% YoY
+0.5% QoQ
|
-$273.5M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.6% in tier |
| Total Loans ? |
$75.4M
+1.5% YoY
+6.3% QoQ
|
-$183.0M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.6% in tier |
| Total Deposits ? |
$100.7M
+3.3% YoY
+0.2% QoQ
|
-$226.0M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.6% in tier |
| Return on Assets ? |
0.70%
+31.5% YoY
+30.3% QoQ
|
-0.63% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
4.29%
+6.2% YoY
+6.1% QoQ
|
+0.30% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
76.14%
-4.0% YoY
-4.8% QoQ
|
+11.66% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
1.22%
+526.6% YoY
+85.7% QoQ
|
+0.30% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
74.84%
-1.8% YoY
+6.1% QoQ
|
-3.11% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
23.38%
+2.4% YoY
+4.2% QoQ
|
+1.35% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.29%
+68.9% YoY
+25.7% QoQ
|
+0.62% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
10.62%
+0.4% YoY
+1.1% QoQ
|
-5.29% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.19%
-1.6% YoY
+105.6% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
48% |
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 |
23.4%
+0.6pp YoY +0.9pp QoQ |
+1.2pp | 22.1% | 18.8% | 22.2% | 60% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-0.2pp YoY +1.1pp QoQ |
-3.5pp | 11.6% | 10.9% | 12.5% | 41% |
| CRE | n/a | n/a | 39.5% | 42.4% | 41.4% | n/a |
| 1-4 Family |
49.6%
-1.5pp YoY -2.5pp QoQ |
+17.0pp | 32.6% | 39.8% | 31.3% | 82% |
| Consumer |
3.8%
+0.5pp YoY 0.0pp QoQ |
-0.3pp | 4.1% | 4.5% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
10.6%
0.0pp YoY +0.1pp QoQ |
-1.6pp | 12.2% | 11.4% | 12.6% | 44% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
+1 (+3.6%) YoY 0 QoQ |
-30 | 58 | 270 | 482 | 25% |
| Assets per Employee ($) |
$3.9M
-0.1% YoY +0.5% QoQ |
-$3.6M | $7.5M | $7.1M | $8.8M | 4% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 17 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.6pp QoQ |
+0.7pp | 0.3% | 0.2% | 0.4% | 92% |
| Nonaccrual |
0.2%
0.0pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 28% |
| Allowance Coverage |
0.61x
-86.9% YoY -53.2% QoQ |
-23.54x | 24.15x | 28.97x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY +0.2pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
+1.3pp YoY +1.6pp QoQ |
-5.1pp | 12.2% | 10.9% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 2.0% | 1.7% | 55% |
| Net Income ($, YTD) |
$390,000
+33.6% YoY — QoQ |
-$2.2M | $2.6M | $16.7M | $40.4M | 8% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.