BlastPoint's Banking Scorecard

Apex Bank

$1B-$10B Specialty: Mortgage TN FDIC cert 9176

Designations: ✓ Community bank

Camden, TN

22 branches across TN

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

Apex Bank has 3 strengths but faces 3 concerns

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

+ Return on Assets 1.03% above tier average
+ Net Interest Margin 1.69% above tier average
+ Efficiency Ratio 23.95% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.2% in tier
- Credit Risk Growth: Bottom 10.5% in tier
- Nonperforming Asset Ratio 1.31% 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 ?	$1.4B +1.4% YoY +2.3% QoQ	-$1.4B	$2.8B -0.1% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$1.2B +1.7% YoY +0.2% QoQ	-$768.2M	$2.0B +0.6% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	43%
Total Deposits ?	$1.1B +3.6% YoY +2.5% QoQ	-$1.3B	$2.3B -0.3% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	2.40% -10.0% YoY -9.6% QoQ	+1.03%	1.37% +19.6% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 4.2% in tier
Net Interest Margin ?	5.51% +1.3% YoY +0.9% QoQ	+1.69%	3.82% +6.9% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	Top 3.2% in tier
Efficiency Ratio ?	37.11% +11.8% YoY +1.0% QoQ	-23.95%	61.06% -4.6% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Top 5.5% in tier
Delinquency Rate ?	1.93% +12.6% YoY -41.6% QoQ	+1.04%	0.89% +14.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Bottom 10.3% in tier
Loan-to-Deposit Ratio ?	109.71% -1.8% YoY -2.2% QoQ	+25.50%	84.20% +0.3% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ?	15.83% +9.4% YoY -0.1% QoQ	-5.46%	21.29% -2.5% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	1.98% +27.7% YoY -38.2% QoQ	+1.31%	0.67% +15.6% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Bottom 6.2% in tier
Tier 1 Capital Ratio ?	22.83% +0.4% YoY +2.2% QoQ	+7.67%	15.16% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Top 5.4% in tier
Non-Interest Income / Assets ?	0.07% +32.4% YoY -85.8% QoQ	-0.19%	0.26% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	17%

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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 (2)

Liquidity Overhang

risk

#10 of 174 • Bottom 5.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.83%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 109.71%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ

Credit Risk Growth

risk

#45 of 420 • Bottom 10.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 (4 metrics)

Net Interest Margin

profitability

Value: 5.51%

Peer Median: 3.82%

#29 of 884 Top 3.2% in $1B-$10B

Return on Assets

profitability

Value: 2.40%

Peer Median: 1.37%

#38 of 884 Top 4.2% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 22.83%

Peer Median: 15.16%

#49 of 884 Top 5.4% in $1B-$10B

Efficiency Ratio

profitability

Value: 37.11%

Peer Median: 61.06%

#50 of 884 Top 5.5% in $1B-$10B

Top Weaknesses (5 metrics)

847

Loan-to-Deposit Ratio

liquidity

Value: 109.71%

Peer Median: 84.20%

#847 of 884 Bottom 4.3% in $1B-$10B

830

Nonperforming Asset Ratio

credit_quality

Value: 1.98%

Peer Median: 0.67%

#830 of 884 Bottom 6.2% in $1B-$10B

790

Delinquency Rate

credit_quality

Value: 1.93%

Peer Median: 0.89%

#790 of 880 Bottom 10.3% in $1B-$10B

736

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#736 of 884 Bottom 16.9% in $1B-$10B

687

Total Deposits

size

Value: $1.09B

Peer Median: $2.34B

#687 of 884 Bottom 22.4% in $1B-$10B