Lobelville, TN · Cert 1713
State charter, non-member · FDIC · 3 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
46
Profitability
73
Liquidity
35
Efficiency
73
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.
Lobelville, TN · Cert 1713
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.36% | 1.26% | 1.49% | 1.48% | 1.48% | 1.39% | 1.41% | 1.45% | -3 bps | |
| Return on Equity | 14.94% | 13.79% | 16.18% | 16.15% | 16.26% | 15.15% | 15.22% | 15.73% | -42 bps | |
| Net Interest Margin | 3.76% | 3.69% | 4.03% | 3.90% | 3.88% | 3.91% | 3.95% | 3.91% | +1 bps | |
| Efficiency Ratio | 59.39% | 62.36% | 54.95% | 56.02% | 55.87% | 58.77% | 56.23% | 56.51% | +49 bps | |
| Non-Interest Burden | 2.03% | 2.12% | 2.01% | 1.97% | 1.95% | 2.10% | 2.02% | 2.00% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.94% | 2.65% | 5.63% | 6.39% | 5.38% | 4.70% | 6.03% | 6.20% | -19 bps | |
| Loan Growth (YoY) | 3.24% | 3.70% | 6.25% | 3.36% | 4.26% | 4.16% | 4.00% | 7.25% | +389 bps | |
| Deposit Growth (YoY) | 4.66% | 3.22% | 6.04% | 7.03% | 5.84% | 4.91% | 6.47% | 6.58% | -45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.30% | 0.39% | 0.32% | 0.45% | 0.52% | 0.52% | 0.38% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.05% | 0.04% | 0.05% | 0.00% | -0.01% | -6 bps | |
| Allowance / Loans | 1.00% | 0.98% | 1.00% | 0.99% | 0.99% | 0.98% | 1.01% | 1.00% | +1 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.3x | 2.6x | 3.1x | 2.2x | 1.9x | 1.9x | 2.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.16% | 9.17% | 9.28% | 9.06% | 9.09% | 9.39% | 9.39% | 9.11% | +5 bps | |
| Total Risk-Based Capital | 14.05% | 14.29% | 14.22% | 14.10% | 14.09% | 14.46% | 14.31% | 13.91% | -19 bps | |
| Equity / Assets | 9.00% | 9.21% | 9.17% | 9.06% | 9.07% | 9.38% | 9.21% | 9.09% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.99% | 93.06% | 92.81% | 91.88% | 91.60% | 92.39% | 90.65% | 92.46% | +58 bps | |
| Liquid Assets / Assets | 5.55% | 5.68% | 5.39% | 5.25% | 5.10% | 4.81% | 4.63% | 4.77% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.93% | 177.89% | 186.71% | n/a | n/a | |
Lobelville, TN · Cert 1713 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.43%
Rank 201 of 746
Net Interest Margin
3.91%
Rank 288 of 746
Efficiency Ratio
56.51%
Rank 205 of 746
Equity / Assets
9.09%
Rank 540 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 201 / 746 | ||
| Return on Equity | 15.68% | 6.74% | 10.51% | 13.63% | Beats 86% | 101 / 746 | ||
| Net Interest Margin | 3.91% | 3.17% | 3.68% | 4.16% | Beats 61% | 288 / 746 | ||
| Efficiency Ratio | 56.51% | 55.74% | 64.58% | 75.47% | Beats 73% | 205 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.42% | 1.07% | Beats 53% | 347 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 39% | 456 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 11.55% | 13.75% | 17.60% | Beats 39% | 457 / 746 | ||
| Total Risk-Based Capital Ratio | 13.91% | 11.71% | 14.33% | 18.43% | Beats 46% | 403 / 746 | ||
| Equity / Assets | 9.09% | 8.90% | 10.51% | 13.06% | Beats 28% | 540 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.46% | 61.31% | 78.27% | 90.78% | 78th pctl | 161 / 746 | ||
| Loans / Assets | 81.94% | 53.60% | 66.97% | 76.08% | 90th pctl | 78 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||