Pulaski, TN · Cert 15572 · First Pulaski National Corp.
National charter · OCC · 13 branches
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 3.5% share · #9 of 37 inst. · $0.4B of $12.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.23% | 1.22% | 1.18% | 1.45% | 1.32% | 1.34% | 1.46% | +28 bps | |
| Return on Equity | 13.43% | 14.02% | 13.89% | 12.98% | 15.24% | 13.77% | 13.96% | 14.80% | +182 bps | |
| Net Interest Margin | 3.14% | 3.19% | 3.23% | 3.51% | 3.62% | 3.57% | 3.45% | 3.63% | +12 bps | |
| Efficiency Ratio | 56.98% | 56.87% | 55.13% | 53.31% | 51.85% | 54.59% | 54.64% | 52.54% | -77 bps | |
| Non-Interest Burden | 1.62% | 1.65% | 1.60% | 1.70% | 1.68% | 1.74% | 1.72% | 1.69% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | 5.30% | 2.78% | 3.92% | 4.08% | 7.06% | 5.45% | 3.76% | -16 bps | |
| Loan Growth (YoY) | 9.02% | 7.38% | 6.58% | 6.93% | 6.90% | 5.30% | 3.98% | 3.36% | -356 bps | |
| Deposit Growth (YoY) | 5.34% | 4.80% | 1.49% | 2.81% | 3.24% | 6.04% | 4.65% | 2.95% | +14 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.08% | 0.07% | 0.03% | 0.03% | 0.18% | 0.26% | 0.24% | +21 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.31% | -0.01% | 0.20% | -0.06% | 0.09% | -22 bps | |
| Allowance / Loans | 1.29% | 1.31% | 1.30% | 1.30% | 1.31% | 1.30% | 1.32% | 1.30% | 0 bps | |
| Allowance Coverage of NPLs | 28.8x | 16.6x | 19.1x | 41.0x | 41.0x | 7.1x | 5.0x | 5.4x | -35.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 10.65% | 10.85% | 10.94% | 11.16% | 10.93% | 10.92% | 11.32% | +38 bps | |
| Total Risk-Based Capital | 10.61% | 10.65% | 10.85% | 10.94% | 11.16% | 10.93% | 10.92% | 11.32% | +38 bps | |
| Equity / Assets | 8.92% | 8.56% | 8.94% | 9.24% | 9.75% | 9.46% | 9.68% | 10.05% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.88% | 76.01% | 75.73% | 76.95% | 78.57% | 75.48% | 75.25% | 77.26% | +31 bps | |
| Liquid Assets / Assets | 6.93% | 6.90% | 8.60% | 8.62% | 7.32% | 10.58% | 9.98% | 8.44% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 324% | 320% | 310% | n/a | n/a | |