Lobelville, TN · Cert 1713
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.35% | 0.95% | 1.49% | 1.47% | 1.50% | 1.09% | 1.41% | 1.48% | +2 bps | |
| Return on Equity | 14.88% | 10.44% | 16.18% | 16.10% | 16.57% | 11.85% | 15.22% | 16.23% | +13 bps | |
| Net Interest Margin | 3.87% | 3.79% | 4.03% | 3.87% | 3.98% | 4.02% | 3.95% | 3.97% | +11 bps | |
| Efficiency Ratio | 60.50% | 71.04% | 54.95% | 57.09% | 55.56% | 67.32% | 56.23% | 56.79% | -30 bps | |
| Non-Interest Burden | 2.15% | 2.56% | 2.01% | 1.97% | 1.98% | 2.57% | 2.02% | 2.03% | +6 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 | 0.04% | 0.08% | 0.01% | 0.09% | 0.03% | 0.09% | 0.00% | -0.01% | -10 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 | |