Trenton, GA · Cert 17543 · Tri-States Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.0% share · #17 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 | 1.88% | 1.89% | 2.30% | 2.14% | 2.23% | 2.23% | 2.21% | 2.14% | 0 bps | |
| Return on Equity | 40.31% | 39.37% | 43.78% | 39.18% | 37.90% | 36.52% | 33.57% | 32.74% | -644 bps | |
| Net Interest Margin | 4.16% | 4.21% | 4.57% | 4.57% | 4.69% | 4.59% | 4.70% | 4.69% | +12 bps | |
| Efficiency Ratio | 48.05% | 47.60% | 42.22% | 46.40% | 46.12% | 46.35% | 46.37% | 48.21% | +181 bps | |
| Non-Interest Burden | 1.75% | 1.73% | 1.39% | 1.74% | 1.79% | 1.79% | 1.96% | 2.04% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.22% | -0.54% | 1.51% | -0.31% | -0.09% | 5.29% | 4.15% | 7.24% | +755 bps | |
| Loan Growth (YoY) | 8.83% | 6.00% | 4.56% | 5.00% | 4.85% | 4.63% | 8.50% | 9.53% | +453 bps | |
| Deposit Growth (YoY) | 1.61% | -1.34% | -0.13% | -1.66% | -1.20% | 3.51% | 3.27% | 6.60% | +826 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.25% | 1.06% | 0.66% | 0.48% | 0.10% | 0.03% | 0.03% | 0.25% | -23 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.29% | -0.19% | -0.13% | -0.23% | -0.16% | 0.03% | -0.02% | +12 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.32% | 1.32% | 1.38% | 1.38% | 1.31% | 1.27% | -4 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 2.0x | 2.7x | 13.6x | 45.3x | 39.8x | 5.1x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.80% | 9.16% | 9.84% | 10.35% | 9.99% | 9.21% | 9.45% | -39 bps | |
| Total Risk-Based Capital | 17.72% | 18.52% | 17.41% | 18.15% | 19.02% | 18.81% | 17.46% | 17.61% | -54 bps | |
| Equity / Assets | 6.06% | 5.35% | 5.17% | 5.86% | 7.20% | 6.94% | 6.21% | 6.42% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.62% | 60.69% | 59.95% | 63.15% | 65.40% | 61.35% | 62.98% | 64.89% | +174 bps | |
| Liquid Assets / Assets | 1.37% | 1.37% | 1.36% | 1.22% | 1.21% | 1.15% | 1.15% | 0.68% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 128.06% | 122.38% | 142.91% | n/a | n/a | |