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

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 -0.4% year over year ($1.5B on the books).
Delinquency rate 0.01%.
Return on assets 2.16%.
Efficiency ratio 49.11% vs a 59.73% peer average.
Loan-to-deposit ratio 73.51% vs a 85.04% peer average.

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

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

View $1B-$10B leaderboard (TN) →

One Bank of Tennessee demonstrates 6 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 23.9% in tier
+ Revenue Diversifier: Top 47.8% in tier
+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.32% above tier average
+ Efficiency Ratio 10.61% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when One Bank of Tennessee releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$1.7B +1.1% YoY -0.2% QoQ	-$1.1B	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$1.1B +1.5% YoY +0.7% QoQ	-$870.8M	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$1.5B -0.4% YoY -0.4% QoQ	-$832.9M	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	2.16% +20.4% YoY +5.2% QoQ	+0.77%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Top 7.5% in tier
Net Interest Margin ?	4.19% +12.9% YoY +1.7% QoQ	+0.32%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	49.11% -7.4% YoY -1.4% QoQ	-10.61%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.01% -73.6% YoY +226.1% QoQ	-0.85%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	Top 4.6% in tier
Loan-to-Deposit Ratio ?	73.51% +1.9% YoY +1.1% QoQ	-11.52%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	19.73% +2.9% YoY +3.7% QoQ	-1.54%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.01% -86.5% YoY +229.0% QoQ	-0.67%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	Top 4.2% in tier
Tier 1 Capital Ratio ?	14.85% +9.8% YoY +0.8% QoQ	+0.01%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.46% +3.6% YoY +117.4% QoQ	-0.06%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	77%

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	19.7% +0.5pp YoY +0.7pp QoQ	-1.6pp	21.4%	18.8%	22.2%	49%
Brokered Deposits	n/a	n/a	9.5%	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	3.3% -0.2pp YoY 0.0pp QoQ	-10.7pp	14.0%	10.9%	12.5%	11%
CRE	50.3% -1.2pp YoY -0.4pp QoQ	+0.3pp	50.0%	42.4%	41.4%	52%
1-4 Family	43.3% +2.0pp YoY +0.5pp QoQ	+16.9pp	26.4%	39.8%	31.3%	85%
Consumer	2.0% -0.3pp YoY 0.0pp QoQ	-2.7pp	4.7%	4.5%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	14.8% +1.3pp YoY +0.1pp QoQ	-0.7pp	15.6%	14.8%	19.7%	68%
Leverage Ratio	9.1% +1.0pp YoY 0.0pp QoQ	-2.2pp	11.3%	11.4%	12.6%	14%
Total Capital Ratio	15.6% +1.5pp YoY +0.2pp QoQ	-1.1pp	16.7%	15.9%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	204 -11 (-5.1%) YoY -4 (-1.9%) QoQ	-110	313	270	482	42%
Assets per Employee ($)	$8.2M +6.5% YoY +1.7% QoQ	-$2.3M	$10.5M	$7.1M	$8.8M	43%
Branch Count	20 0 YoY 0 QoQ	-0	20	17	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	28%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.7%	1.0%	1%
Allowance Coverage	49.50x +370.2% YoY -68.1% QoQ	+30.79x	18.71x	28.97x	20.23x	97%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	24.8% -0.7pp YoY +1.1pp QoQ	+12.2pp	12.6%	10.9%	11.6%	96%
Cost of Funds (YTD)	1.3% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.9%	2.0%	1.7%	14%
Net Income ($, YTD)	$18.0M +22.0% YoY — QoQ	-$1.2M	$19.2M	$16.7M	$40.4M	66%

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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 (2)

Profitability Leader

growth

#54 of 222 • Top 23.9% in tier

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

Why this signature

Return on Assets: 2.16%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#107 of 222 • Top 47.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.46%

(Tier: 0.53%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.16%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

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 885 peers in $1B-$10B

Top Strengths (7 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#38 of 885 Top 4.2% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.87%

#42 of 882 Top 4.6% in $1B-$10B

Return on Assets

profitability

Value: 2.16%

Peer Median: 1.39%

#67 of 885 Top 7.5% in $1B-$10B

185

Efficiency Ratio

profitability

Value: 49.11%

Peer Median: 59.73%

#185 of 885 Top 20.8% in $1B-$10B

187

Loan-to-Deposit Ratio

liquidity

Value: 73.51%

Peer Median: 85.04%

#187 of 885 Top 21.0% in $1B-$10B

201

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.53%

#201 of 885 Top 22.6% in $1B-$10B

207

Net Interest Margin

profitability

Value: 4.19%

Peer Median: 3.87%

#207 of 885 Top 23.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available