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 (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 | 1.51% | 1.22% | 1.25% | 1.46% | 1.56% | 1.19% | 1.68% | 1.70% | +25 bps | |
| Return on Equity | 17.96% | 14.27% | 14.70% | 17.08% | 17.95% | 13.24% | 18.26% | 18.51% | +143 bps | |
| Net Interest Margin | 3.64% | 3.62% | 3.55% | 3.78% | 3.97% | 4.04% | 4.11% | 4.17% | +40 bps | |
| Efficiency Ratio | 48.93% | 63.28% | 54.25% | 52.26% | 49.40% | 59.28% | 46.35% | 48.97% | -328 bps | |
| Non-Interest Burden | 1.53% | 2.11% | 1.75% | 1.73% | 1.73% | 2.23% | 1.69% | 1.78% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.60% | 13.95% | 13.25% | 9.26% | 12.04% | 7.05% | 4.90% | 6.94% | -232 bps | |
| Loan Growth (YoY) | 15.24% | 12.27% | 9.18% | 6.99% | 8.20% | 9.08% | 8.87% | 9.78% | +279 bps | |
| Deposit Growth (YoY) | 12.60% | 15.11% | 14.27% | 12.20% | 12.78% | 6.14% | 3.06% | 5.49% | -671 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.03% | 0.03% | 0.02% | 0.04% | 0.05% | 0.07% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.98% | 0.99% | 1.00% | 1.05% | 1.06% | 1.07% | +8 bps | |
| Allowance Coverage of NPLs | 41.5x | 39.7x | 32.0x | 33.7x | 43.3x | 24.4x | 21.6x | 14.5x | -19.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.62% | 8.59% | 8.82% | 9.09% | 9.03% | 9.35% | 9.44% | +62 bps | |
| Total Risk-Based Capital | 12.52% | 12.70% | 12.66% | 13.02% | 13.19% | 13.33% | 13.00% | 13.22% | +20 bps | |
| Equity / Assets | 8.58% | 8.55% | 8.44% | 8.61% | 8.77% | 9.16% | 9.22% | 9.19% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.24% | 95.57% | 93.74% | 94.12% | 94.25% | 98.22% | 99.02% | 97.94% | +382 bps | |
| Liquid Assets / Assets | 4.64% | 4.85% | 5.70% | 5.95% | 5.71% | 3.45% | 4.37% | 3.65% | -231 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 430% | 419% | 420% | n/a | n/a | |