BlastPoint's Banking Scorecard

Thread Bank

$1B-$10B Specialty: Other TN FDIC cert 9499

Designations: ✓ Community bank

Rogersville, TN

3 branches across TN

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

Thread Bank has 3 strengths but faces 4 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

+ Revenue Diversifier: Top 38.9% in tier
+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 5.6% in tier
- ROA 0.75% below tier average
- Net Interest Margin 0.84% below tier average
- Efficiency Ratio 16.41% 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 ?	$1.0B +30.3% YoY +8.9% QoQ	-$1.8B	$2.8B -0.1% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Bottom 3.4% in tier
Total Loans ?	$366.8M +4.9% YoY +0.6% QoQ	-$1.6B	$2.0B +0.6% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Bottom 2.0% in tier
Total Deposits ?	$932.7M +29.1% YoY +10.3% QoQ	-$1.4B	$2.3B -0.3% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Bottom 9.6% in tier
Return on Assets ?	0.61% +23.2% YoY +47.8% QoQ	-0.75%	1.37% +19.6% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Bottom 12.9% in tier
Net Interest Margin ?	2.98% -0.1% YoY +1.9% QoQ	-0.84%	3.82% +6.9% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	77.47% +7.9% YoY +2.4% QoQ	+16.41%	61.06% -4.6% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Bottom 11.0% in tier
Delinquency Rate ?	0.04% -86.4% YoY -75.3% QoQ	-0.85%	0.89% +14.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Top 5.7% in tier
Loan-to-Deposit Ratio ?	39.33% -18.8% YoY -8.8% QoQ	-44.88%	84.20% +0.3% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Top 2.8% in tier
Non-Interest-Bearing Deposit Share ?	7.86% -39.4% YoY -15.2% QoQ	-13.43%	21.29% -2.5% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	Bottom 7.6% in tier
Nonperforming Asset Ratio ?	0.01% -89.0% YoY -77.2% QoQ	-0.66%	0.67% +15.6% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Top 4.2% in tier
Tier 1 Capital Ratio ?	24.89% +22.8% YoY -6.1% QoQ	+9.73%	15.16% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Top 4.1% in tier
Non-Interest Income / Assets ?	0.52% +12.3% YoY -73.3% QoQ	+0.26%	0.26% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 6.0% in tier

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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 (1)

Revenue Diversifier

growth

#87 of 221 • Top 38.9% 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: 0.52%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.61%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#3 of 36 • Bottom 5.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 7.86%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 39.33%

Peer Median: 84.20%

#26 of 884 Top 2.8% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 24.89%

Peer Median: 15.16%

#37 of 884 Top 4.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

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

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#51 of 880 Top 5.7% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.26%

#54 of 884 Top 6.0% in $1B-$10B

Top Weaknesses (7 metrics)

867

Total Loans

size

Value: $366.78M

Peer Median: $1.96B

#867 of 884 Bottom 2.0% in $1B-$10B

855

Total Assets

size

Value: $1.04B

Peer Median: $2.82B

#855 of 884 Bottom 3.4% in $1B-$10B

818

Non-Interest-Bearing Deposit Share

funding

Value: 7.86%

Peer Median: 21.29%

#818 of 884 Bottom 7.6% in $1B-$10B

800

Total Deposits

size

Value: $932.66M

Peer Median: $2.34B

#800 of 884 Bottom 9.6% in $1B-$10B

788

Efficiency Ratio

profitability

Value: 77.47%

Peer Median: 61.06%

#788 of 884 Bottom 11.0% in $1B-$10B

771

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.37%

#771 of 884 Bottom 12.9% in $1B-$10B

745

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.82%

#745 of 884 Bottom 15.8% in $1B-$10B