Livingston, TN · Cert 19502
National charter · OCC · 7 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 | 1.58% | 1.35% | 1.39% | 1.69% | 1.67% | 1.50% | 1.66% | 1.66% | -3 bps | |
| Return on Equity | 14.54% | 12.64% | 12.73% | 14.78% | 13.95% | 12.99% | 15.09% | 14.70% | -8 bps | |
| Net Interest Margin | 3.73% | 3.71% | 3.74% | 4.00% | 4.17% | 4.11% | 3.93% | 3.98% | -3 bps | |
| Efficiency Ratio | 51.90% | 58.46% | 56.96% | 51.37% | 53.98% | 58.50% | 51.56% | 51.83% | +46 bps | |
| Non-Interest Burden | 1.72% | 1.99% | 1.95% | 1.84% | 2.05% | 2.23% | 1.82% | 1.86% | +1 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 | -0.02% | -0.01% | 0.30% | 0.01% | -0.06% | 0.02% | 0.02% | -0.01% | -2 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 | |