BlastPoint's Banking Scorecard
Thread Bank
Designations: ✓ Community bank
Rogersville, TN
3 branches across TN
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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
- Deposits +40.2% year over year ($1.0B on the books).
- Delinquency rate 0.18%.
- Return on assets 0.58%.
- Efficiency ratio 78.83% vs a 59.73% peer average.
- Loan-to-deposit ratio 41.64% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Thread Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22.2% in tier
- + Revenue Diversifier: Top 36.9% in tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 2.2% in tier
- - Return on Assets 0.81% below tier average
- - Efficiency Ratio 19.10% above tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+40.6% YoY
+6.9% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.7% in tier |
| Total Loans ? |
$416.4M
+20.9% YoY
+13.5% QoQ
|
-$1.5B |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.0% in tier |
| Total Deposits ? |
$1.0B
+40.2% YoY
+7.2% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
0.58%
+13.2% YoY
-6.0% QoQ
|
-0.81% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.2% in tier |
| Net Interest Margin ? |
2.90%
-3.8% YoY
-2.7% QoQ
|
-0.97% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio ? |
78.83%
+6.9% YoY
+1.8% QoQ
|
+19.10% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate ? |
0.18%
-1.3% YoY
+352.3% QoQ
|
-0.68% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
41.64%
-13.8% YoY
+5.9% QoQ
|
-43.40% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Top 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.59%
-32.1% YoY
+9.3% QoQ
|
-12.68% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.7% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-8.0% YoY
+420.7% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Top 12.2% in tier |
| Tier 1 Capital Ratio ? |
23.36%
+11.7% YoY
-6.2% QoQ
|
+8.52% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Top 4.9% in tier |
| Non-Interest Income / Assets ? |
1.00%
+0.1% YoY
+92.0% QoQ
|
+0.47% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Top 6.0% in tier |
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 |
8.6%
-4.1pp YoY +0.7pp QoQ |
-12.8pp | 21.4% | 18.8% | 22.2% | 8% |
| Brokered Deposits |
6.2%
-3.9pp YoY -1.3pp QoQ |
-3.3pp | 9.5% | 9.4% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.4%
-9.4pp YoY -5.4pp QoQ |
-1.6pp | 14.0% | 10.9% | 12.5% | 56% |
| CRE |
23.6%
+3.0pp YoY +3.2pp QoQ |
-26.4pp | 50.0% | 42.4% | 41.4% | 7% |
| 1-4 Family |
49.1%
+11.6pp YoY +4.7pp QoQ |
+22.6pp | 26.4% | 39.8% | 31.3% | 89% |
| Consumer |
14.2%
-4.8pp YoY -2.3pp QoQ |
+9.5pp | 4.7% | 4.5% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.4%
+2.4pp YoY -1.5pp QoQ |
+7.8pp | 15.6% | 14.8% | 19.7% | 94% |
| Leverage Ratio |
9.8%
+0.6pp YoY -0.1pp QoQ |
-1.6pp | 11.3% | 11.4% | 12.6% | 30% |
| Total Capital Ratio |
24.5%
+2.4pp YoY -1.5pp QoQ |
+7.8pp | 16.7% | 15.9% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
117
+25 (+27.2%) YoY +6 (+5.4%) QoQ |
-197 | 313 | 270 | 482 | 12% |
| Assets per Employee ($) |
$9.5M
+10.5% YoY +1.4% QoQ |
-$989K | $10.5M | $7.1M | $8.8M | 60% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 17 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.6pp | 0.8% | 0.7% | 1.0% | 19% |
| Allowance Coverage |
6.53x
+4.1% YoY -77.8% QoQ |
-12.18x | 18.71x | 28.97x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
0.5%
-0.5pp YoY -0.2pp QoQ |
+0.2pp | 0.3% | 0.1% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.3%
0.0pp YoY -0.2pp QoQ |
-6.3pp | 12.6% | 10.9% | 11.6% | 13% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY -0.1pp QoQ |
+0.6pp | 1.9% | 2.0% | 1.7% | 86% |
| Net Income ($, YTD) |
$3.0M
+49.2% YoY — QoQ |
-$16.3M | $19.2M | $16.7M | $40.4M | 5% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.