BlastPoint's Banking Scorecard

FirstBank

$10B-$250B Specialty: Commercial TN FDIC cert 8663

Nashville, TN

133 branches across TN · AL · GA · KY · NC

135 banks in the $10B-$250B peer group nationally 3 in TN

FirstBank has 3 strengths but faces 1 concern

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

+ ROA 0.17% above tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio 0.77% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.19% above tier average

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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 ?	$16.4B +25.4% YoY +1.0% QoQ	-$30.9B	$47.4B -2.0% YoY	$2.8B +35.7% YoY	$6.2B +9.0% YoY	28%
Total Loans ?	$12.5B +28.1% YoY +1.2% QoQ	-$17.1B	$29.6B -0.4% YoY	$2.0B +36.6% YoY	$3.2B +10.7% YoY	33%
Total Deposits ?	$14.1B +25.5% YoY +1.2% QoQ	-$24.6B	$38.7B -1.6% YoY	$2.4B +35.2% YoY	$4.8B +8.0% YoY	30%
Return on Assets ?	1.46% +20.4% YoY +63.0% QoQ	+0.17%	1.28% +19.3% YoY	1.12% +20.1% YoY	1.24% +13.1% YoY	73%
Net Interest Margin ?	3.95% +9.8% YoY +0.0% QoQ	+0.18%	3.77% +5.6% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	53.13% -10.6% YoY -10.0% QoQ	-0.77%	53.90% -4.0% YoY	66.13% -5.5% YoY	66.84% -3.8% YoY	61%
Delinquency Rate ?	1.21% +13.8% YoY +1.1% QoQ	+0.19%	1.02% -4.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	89.00% +2.1% YoY +0.0% QoQ	+8.12%	80.88% +2.0% YoY	79.84% +2.1% YoY	76.69% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	19.06% -2.5% YoY -0.0% QoQ	-0.76%	19.82% +0.3% YoY	18.48% -3.8% YoY	22.01% -1.1% YoY	37%
Nonperforming Asset Ratio ?	0.96% +17.5% YoY +1.5% QoQ	+0.24%	0.73% +4.0% YoY	0.56% +16.1% YoY	0.66% +19.3% YoY	16%
Tier 1 Capital Ratio ?	11.81% -6.6% YoY +1.0% QoQ	-3.75%	15.56% -0.1% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.16% -8.8% YoY -75.0% QoQ	-0.06%	0.23% +0.9% YoY	0.17% -1.0% YoY	0.32% +4.0% YoY	49%

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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 (0)

No matched strength signatures this quarter

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 135 peers in $10B-$250B

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 3.95%

Peer Median: 3.77%

#32 of 135 Top 23.0% in $10B-$250B

Top Weaknesses (3 metrics)

114

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.73%

#114 of 135 Bottom 16.3% in $10B-$250B

112

Tier 1 Capital Ratio

capital

Value: 11.81%

Peer Median: 15.56%

#112 of 135 Bottom 17.8% in $10B-$250B

108

Delinquency Rate

credit_quality

Value: 1.21%

Peer Median: 1.02%

#108 of 134 Bottom 20.1% in $10B-$250B