BlastPoint's Banking Scorecard
Commercial Bank & Trust Co.
Designations: ✓ Community bank
Paris, TN
11 branches across TN · MS
Commercial Bank & Trust Co. has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5.9% in tier
- + Loan-to-Deposit Ratio 22.95% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.8% in tier
- - Credit Risk Growth: Bottom 26.9% in tier
- - Flatlined Growth: Bottom 44.0% in tier
- - ROA 0.18% below tier average
- - Net Interest Margin 0.41% below tier average
- - Efficiency Ratio 6.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.3% YoY
+0.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.7% in tier |
| Total Loans ? |
$607.8M
+5.8% YoY
-0.9% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.8% in tier |
| Total Deposits ? |
$992.1M
-1.0% YoY
+0.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.3% in tier |
| Return on Assets ? |
1.18%
+22.4% YoY
-7.5% QoQ
|
-0.18% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
3.41%
+10.2% YoY
+3.6% QoQ
|
-0.41% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
67.61%
-7.8% YoY
+0.3% QoQ
|
+6.55% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.17%
+385.7% YoY
+4.9% QoQ
|
-0.72% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
61.26%
+6.8% YoY
-1.6% QoQ
|
-22.95% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Top 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.10%
-1.9% YoY
+5.8% QoQ
|
+0.81% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.10%
+412.0% YoY
+3.3% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.7% in tier |
| Tier 1 Capital Ratio ? |
19.69%
+0.9% YoY
+3.2% QoQ
|
+4.53% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 8.3% in tier |
| Non-Interest Income / Assets ? |
0.28%
+0.8% YoY
-75.4% QoQ
|
+0.03% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
85% |
Get Full Access to Commercial Bank & Trust Co.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.