Livingston, TN · Cert 19502
National charter · OCC · 7 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
67
Profitability
77
Liquidity
0
Efficiency
75
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.
Livingston, TN · Cert 19502
National charter · OCC · 7 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 | 1.46% | 1.43% | 1.39% | 1.54% | 1.58% | 1.57% | 1.66% | 1.66% | +11 bps | |
| Return on Equity | 13.56% | 13.33% | 12.73% | 13.78% | 13.82% | 13.83% | 15.09% | 14.88% | +110 bps | |
| Net Interest Margin | 3.55% | 3.59% | 3.74% | 3.85% | 3.93% | 3.95% | 3.93% | 3.93% | +9 bps | |
| Efficiency Ratio | 53.83% | 55.02% | 56.96% | 54.06% | 54.03% | 55.19% | 51.56% | 51.70% | -236 bps | |
| Non-Interest Burden | 1.71% | 1.78% | 1.95% | 1.88% | 1.92% | 1.99% | 1.82% | 1.83% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.42% | 3.33% | 2.37% | 2.18% | 3.11% | 1.97% | 2.19% | 3.07% | +89 bps | |
| Loan Growth (YoY) | 6.32% | 8.60% | 1.60% | 2.37% | 4.05% | -0.20% | 1.34% | 0.85% | -151 bps | |
| Deposit Growth (YoY) | 2.90% | 3.01% | 1.71% | 1.54% | 1.35% | 1.90% | 2.28% | 3.32% | +178 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.55% | 1.49% | 0.20% | 0.19% | 0.17% | 0.16% | 0.30% | 0.28% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.30% | 0.15% | 0.08% | 0.06% | 0.02% | 0.01% | -14 bps | |
| Allowance / Loans | 1.43% | 1.38% | 1.36% | 1.32% | 1.32% | 1.32% | 1.35% | 1.32% | 0 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 6.7x | 6.9x | 7.8x | 8.2x | 4.5x | 4.8x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.86% | 11.25% | 11.64% | 12.05% | 10.57% | 11.14% | 11.55% | -9 bps | |
| Total Risk-Based Capital | 10.41% | 10.86% | 11.25% | 11.64% | 12.05% | 10.57% | 11.14% | 11.55% | -9 bps | |
| Equity / Assets | 10.63% | 10.70% | 11.20% | 11.71% | 12.21% | 10.81% | 11.13% | 11.45% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.81% | 61.55% | 59.11% | 60.86% | 61.41% | 60.28% | 58.56% | 59.41% | -145 bps | |
| Liquid Assets / Assets | 32.08% | 24.51% | 23.22% | 21.78% | 21.92% | 23.45% | 27.39% | 29.20% | +742 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 232% | 214% | n/a | n/a | |
Livingston, TN · Cert 19502 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
National charter · OCC · 7 branches
Q2 2026
Return on Assets
1.64%
Rank 44 of 258
Net Interest Margin
3.93%
Rank 57 of 258
Efficiency Ratio
51.70%
Rank 64 of 257
Equity / Assets
11.45%
Rank 78 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.93% | 1.23% | 1.54% | Beats 83% | 44 / 258 | ||
| Return on Equity | 14.33% | 9.26% | 11.84% | 14.74% | Beats 71% | 75 / 258 | ||
| Net Interest Margin | 3.93% | 3.16% | 3.49% | 3.88% | Beats 78% | 57 / 258 | ||
| Efficiency Ratio | 51.70% | 51.71% | 60.30% | 69.65% | Beats 75% | 64 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.46% | 0.90% | Beats 64% | 93 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 69% | 82 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.55% | 11.41% | 12.98% | 15.12% | Beats 27% | 188 / 258 | ||
| Total Risk-Based Capital Ratio | 11.55% | 12.10% | 13.91% | 16.08% | Beats 20% | 207 / 258 | ||
| Equity / Assets | 11.45% | 9.09% | 10.24% | 11.72% | Beats 70% | 78 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.41% | 73.24% | 86.34% | 95.95% | 7th pctl | 241 / 258 | ||
| Loans / Assets | 51.73% | 63.01% | 72.27% | 78.40% | 7th pctl | 239 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||