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 | |