Dunlap, TN · Cert 1705 · Sequatchie County Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
27
Profitability
36
Liquidity
8
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dunlap, TN · Cert 1705 · Sequatchie County Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.3% share · #15 of 30 inst. · $0.2B of $15.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.31% | 0.30% | 0.31% | 0.44% | 0.54% | 0.55% | 0.51% | +20 bps | |
| Return on Equity | 2.55% | 3.47% | 3.46% | 3.50% | 4.91% | 6.03% | 5.78% | 5.23% | +173 bps | |
| Net Interest Margin | 3.26% | 3.18% | 3.37% | 3.37% | 3.44% | 3.55% | 3.75% | 3.82% | +46 bps | |
| Efficiency Ratio | 92.47% | 89.90% | 89.59% | 90.86% | 88.04% | 85.05% | 82.19% | 83.83% | -702 bps | |
| Non-Interest Burden | 2.99% | 2.81% | 2.98% | 3.03% | 2.99% | 2.96% | 3.01% | 3.14% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.31% | 10.54% | 9.31% | 9.85% | 0.87% | 1.55% | -1.07% | -3.34% | -1,319 bps | |
| Loan Growth (YoY) | 17.68% | 9.44% | 8.79% | 6.12% | 4.70% | 0.85% | -2.15% | -2.78% | -890 bps | |
| Deposit Growth (YoY) | 29.37% | 22.85% | 18.14% | 21.56% | 0.13% | 1.04% | -1.99% | -4.85% | -2,641 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.39% | 0.50% | 0.38% | 0.54% | 1.27% | 0.63% | 0.54% | +16 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.10% | 0.07% | 0.04% | 0.02% | 0.03% | 0.80% | 0.42% | +38 bps | |
| Allowance / Loans | 1.02% | 0.89% | 0.85% | 0.86% | 0.78% | 0.85% | 0.67% | 0.70% | -17 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.3x | 1.7x | 2.3x | 1.5x | 0.7x | 1.1x | 1.3x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 8.87% | 9.30% | 9.24% | 9.32% | 9.60% | 9.71% | 10.02% | +78 bps | |
| Total Risk-Based Capital | 15.01% | 14.28% | 14.34% | 14.78% | 14.38% | 15.44% | 15.64% | 16.05% | +127 bps | |
| Equity / Assets | 8.54% | 8.70% | 8.90% | 8.88% | 9.22% | 9.48% | 9.66% | 9.84% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.10% | 101.35% | 102.57% | 99.20% | 104.67% | 101.15% | 102.39% | 101.36% | +216 bps | |
| Liquid Assets / Assets | 5.61% | 4.78% | 4.11% | 6.88% | 3.23% | 6.42% | 5.41% | 5.95% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 358% | 355% | n/a | n/a | |
Dunlap, TN · Cert 1705 · Peer group: banks under $1B in assets (n=581-629) · Sequatchie County Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.51%
Rank 502 of 629
Net Interest Margin
3.82%
Rank 219 of 629
Efficiency Ratio
83.83%
Rank 509 of 629
Equity / Assets
9.84%
Rank 391 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.60% | 1.01% | 1.45% | Beats 20% | 502 / 629 | ||
| Return on Equity | 5.18% | 5.38% | 9.30% | 13.28% | Beats 24% | 480 / 629 | ||
| Net Interest Margin | 3.82% | 3.03% | 3.54% | 4.05% | Beats 65% | 219 / 629 | ||
| Efficiency Ratio | 83.83% | 58.35% | 67.79% | 79.08% | Beats 19% | 509 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.46% | 1.20% | Beats 46% | 314 / 581 | ||
| Net Charge-Offs / Loans | 0.23% | n/a | 0.01% | 0.06% | Beats 8% | 536 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.17% | 11.24% | 13.84% | 18.77% | Beats 61% | 246 / 629 | ||
| Total Risk-Based Capital Ratio | 16.05% | 11.58% | 14.43% | 19.66% | Beats 62% | 242 / 629 | ||
| Equity / Assets | 9.84% | 9.09% | 10.65% | 13.80% | Beats 38% | 391 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.36% | 67.24% | 80.90% | 93.48% | 88th pctl | 73 / 594 | ||
| Loans / Assets | 79.18% | 53.31% | 67.71% | 78.15% | 79th pctl | 129 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||