BlastPoint's Banking Scorecard
FirstBank
Nashville, TN
132 branches across TN · AL · GA · KY · NC
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 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in TN.
- Deposits +25.5% year over year ($14.4B on the books).
- Delinquency rate 1.42%.
- Return on assets 1.46%.
- Efficiency ratio 51.73% vs a 53.67% peer average.
- Loan-to-deposit ratio 89.59% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FirstBank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 1.94% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.8B
+25.8% YoY
+2.0% QoQ
|
-$26.8B |
$43.6B
-13.8% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$12.9B
+30.4% YoY
+2.6% QoQ
|
-$15.1B |
$28.0B
-8.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$14.4B
+25.5% YoY
+1.9% QoQ
|
-$21.1B |
$35.4B
-14.0% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
1.46%
+119.5% YoY
+0.1% QoQ
|
+0.07% |
1.39%
+25.9% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.95%
+8.5% YoY
+0.1% QoQ
|
+0.03% |
3.92%
+8.9% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
51.73%
-11.6% YoY
-2.6% QoQ
|
-1.94% |
53.67%
-1.9% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
1.42%
+19.9% YoY
+17.2% QoQ
|
+0.41% |
1.01%
-2.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
89.59%
+3.9% YoY
+0.7% QoQ
|
+6.98% |
82.61%
+3.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
19.44%
-0.3% YoY
+2.0% QoQ
|
-1.14% |
20.58%
+4.9% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.12%
+24.9% YoY
+16.5% QoQ
|
+0.39% |
0.73%
+5.8% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.4% in tier |
| Tier 1 Capital Ratio ? |
11.29%
-6.7% YoY
-4.4% QoQ
|
-4.06% |
15.35%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.2% in tier |
| Non-Interest Income / Assets ? |
0.32%
-15.8% YoY
+93.8% QoQ
|
-0.18% |
0.50%
+10.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
45% |
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 |
19.4%
-0.1pp YoY +0.4pp QoQ |
-1.6pp | 21.0% | 18.8% | 22.2% | 32% |
| Brokered Deposits |
4.8%
+0.2pp YoY +0.7pp QoQ |
-4.4pp | 9.2% | 9.4% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
-0.8pp YoY -0.2pp QoQ |
-0.2pp | 17.2% | 10.9% | 12.5% | 56% |
| CRE |
55.1%
+3.4pp YoY +0.4pp QoQ |
+13.1pp | 42.0% | 42.4% | 41.4% | 72% |
| 1-4 Family |
22.7%
-2.1pp YoY -0.1pp QoQ |
-0.4pp | 23.1% | 39.8% | 31.3% | 54% |
| Consumer |
4.4%
-0.6pp YoY 0.0pp QoQ |
-8.4pp | 12.9% | 4.5% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.3%
-0.8pp YoY -0.5pp QoQ |
-4.0pp | 15.3% | 14.8% | 19.7% | 7% |
| Leverage Ratio |
10.4%
-0.5pp YoY -0.2pp QoQ |
-0.1pp | 10.4% | 11.4% | 12.6% | 58% |
| Total Capital Ratio |
12.5%
-1.7pp YoY -0.5pp QoQ |
-4.0pp | 16.5% | 15.9% | 20.8% | 9% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,635
+172 (+11.8%) YoY 0 QoQ |
-1,623 | 3,258 | 270 | 482 | 39% |
| Assets per Employee ($) |
$10.3M
+12.6% YoY +2.0% QoQ |
-$16.8M | $27.0M | $7.1M | $8.8M | 36% |
| Branch Count |
132
+12 (+10.0%) YoY 0 QoQ |
-6 | 137 | 17 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
+0.1pp YoY +0.1pp QoQ |
+0.1pp | 0.4% | 0.2% | 0.4% | 86% |
| Nonaccrual |
0.9%
+0.1pp YoY +0.1pp QoQ |
+0.2pp | 0.7% | 0.7% | 1.0% | 78% |
| Allowance Coverage |
1.06x
-16.7% YoY -13.4% QoQ |
-1.75x | 2.81x | 28.97x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 0.1% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+6.5pp YoY +0.2pp QoQ |
-0.5pp | 12.6% | 10.9% | 11.6% | 59% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 2.0% | 2.0% | 1.7% | 60% |
| Net Income ($, YTD) |
$120.2M
+174.5% YoY — QoQ |
-$176.6M | $296.8M | $16.7M | $40.4M | 38% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.