Tazewell, TN · Cert 1700 · Claiborne Holding Co. Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 1.1% share · #13 of 42 inst. · $0.3B of $26.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.43% | 1.37% | 1.68% | 1.69% | +33 bps | |
| Return on Equity | 15.90% | 16.60% | 15.73% | 18.26% | 18.38% | +248 bps | |
| Net Interest Margin | 3.64% | 3.72% | 3.71% | 4.11% | 4.10% | +46 bps | |
| Efficiency Ratio | 53.21% | 51.86% | 53.86% | 46.35% | 47.70% | -551 bps | |
| Non-Interest Burden | 1.73% | 1.72% | 1.80% | 1.69% | 1.72% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.26% | 12.04% | 7.05% | 4.90% | 6.94% | -232 bps | |
| Loan Growth (YoY) | 6.99% | 8.20% | 9.08% | 8.87% | 9.78% | +279 bps | |
| Deposit Growth (YoY) | 12.20% | 12.78% | 6.14% | 3.06% | 5.49% | -671 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.04% | 0.05% | 0.07% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.99% | 1.00% | 1.05% | 1.06% | 1.07% | +8 bps | |
| Allowance Coverage of NPLs | 33.7x | 43.3x | 24.4x | 21.6x | 14.5x | -19.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.82% | 9.09% | 9.03% | 9.35% | 9.44% | +62 bps | |
| Total Risk-Based Capital | 13.02% | 13.19% | 13.33% | 13.00% | 13.22% | +20 bps | |
| Equity / Assets | 8.61% | 8.77% | 9.16% | 9.22% | 9.19% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.12% | 94.25% | 98.22% | 99.02% | 97.94% | +382 bps | |
| Liquid Assets / Assets | 5.95% | 5.71% | 3.45% | 4.37% | 3.65% | -231 bps | |
| CRE / Total Capital | n/a | 430% | 419% | 420% | n/a | n/a | |