BlastPoint's Banking Scorecard

One Bank of Tennessee

$1B-$10B Specialty: Commercial TN FDIC cert 8432

Designations: ✓ Community bank

Cookeville, TN

20 branches across TN

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

One Bank of Tennessee demonstrates 5 strengths

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

+ Profitability Leader: Top 24.4% in tier
+ Delinquency Rate 0.88% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 11.25% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$1.7B +0.7% YoY +0.5% QoQ	-$1.1B	$2.8B -0.1% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$1.1B +3.0% YoY +2.0% QoQ	-$879.5M	$2.0B +0.6% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$1.5B -1.2% YoY +0.9% QoQ	-$851.0M	$2.3B -0.3% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	2.06% +27.9% YoY +0.8% QoQ	+0.69%	1.37% +19.6% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 8.6% in tier
Net Interest Margin ?	4.12% +16.0% YoY +6.1% QoQ	+0.30%	3.82% +6.9% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	49.81% -10.5% YoY +0.9% QoQ	-11.25%	61.06% -4.6% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.00% -80.1% YoY -45.7% QoQ	-0.88%	0.89% +14.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Top 2.7% in tier
Loan-to-Deposit Ratio ?	72.72% +4.3% YoY +1.1% QoQ	-11.48%	84.20% +0.3% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	19.02% +2.9% YoY -0.7% QoQ	-2.27%	21.29% -2.5% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.00% -94.0% YoY -75.3% QoQ	-0.67%	0.67% +15.6% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Top 2.9% in tier
Tier 1 Capital Ratio ?	14.73% +10.8% YoY -2.1% QoQ	-0.43%	15.16% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.21% +0.2% YoY -75.2% QoQ	-0.04%	0.26% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	74%

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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 (1)

Profitability Leader

growth

#55 of 221 • Top 24.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.06%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#25 of 880 Top 2.7% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#27 of 884 Top 2.9% in $1B-$10B

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.37%

#77 of 884 Top 8.6% in $1B-$10B

187

Efficiency Ratio

profitability

Value: 49.81%

Peer Median: 61.06%

#187 of 884 Top 21.0% in $1B-$10B

188

Loan-to-Deposit Ratio

liquidity

Value: 72.72%

Peer Median: 84.20%

#188 of 884 Top 21.2% in $1B-$10B

207

Net Interest Margin

profitability

Value: 4.12%

Peer Median: 3.82%

#207 of 884 Top 23.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available