Knoxville, TN · Cert 1693 · U Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.6% share · #26 of 42 inst. · $0.2B of $26.6B
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 | 0.78% | 0.68% | 0.93% | 1.07% | 1.38% | 1.32% | 1.18% | 1.23% | +15 bps | |
| Return on Equity | 6.15% | 5.28% | 7.02% | 7.94% | 10.44% | 10.15% | 9.12% | 9.49% | +155 bps | |
| Net Interest Margin | 3.86% | 4.09% | 4.05% | 4.25% | 4.35% | 4.04% | 4.01% | 4.14% | -11 bps | |
| Efficiency Ratio | 73.81% | 71.44% | 68.19% | 64.03% | 59.51% | 64.81% | 63.89% | 64.36% | +33 bps | |
| Non-Interest Burden | 2.76% | 2.83% | 2.66% | 2.62% | 2.47% | 2.53% | 2.47% | 2.58% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.93% | 19.04% | 8.42% | 8.89% | 6.76% | 7.09% | 10.79% | 8.12% | -77 bps | |
| Loan Growth (YoY) | 11.99% | 12.90% | 8.87% | 9.95% | 9.19% | 9.99% | 9.99% | 1.79% | -816 bps | |
| Deposit Growth (YoY) | 19.59% | 17.60% | 7.56% | 7.76% | 6.74% | 9.16% | 11.98% | 9.16% | +140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.75% | 0.72% | 0.72% | 0.68% | 0.66% | 0.68% | -4 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.21% | -0.01% | 0.00% | 0.00% | 0.00% | -0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.56% | 1.54% | 1.57% | 1.49% | 1.47% | 1.50% | -4 bps | |
| Allowance Coverage of NPLs | 20.4x | n/a | 2.1x | 2.1x | 2.2x | 2.2x | 2.2x | 2.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.99% | 13.36% | 14.02% | 14.10% | 13.65% | 13.21% | 13.33% | 13.14% | -96 bps | |
| Total Risk-Based Capital | 13.99% | 13.36% | 14.02% | 14.10% | 13.65% | 13.21% | 13.33% | 13.14% | -96 bps | |
| Equity / Assets | 12.98% | 12.85% | 13.61% | 13.37% | 13.03% | 12.97% | 13.00% | 12.83% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.80% | 86.83% | 90.36% | 90.16% | 84.70% | 87.49% | 88.76% | 84.07% | -608 bps | |
| Liquid Assets / Assets | 18.76% | 17.09% | 10.86% | 12.36% | 15.79% | 14.83% | 13.41% | 17.98% | +562 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 349% | 341% | n/a | n/a | |