Jasper, TN · Cert 20100 · General Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.9% share · #13 of 30 inst. · $0.3B 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 | 1.01% | 1.05% | 0.93% | 0.96% | 0.92% | 0.80% | 1.13% | 1.19% | +22 bps | |
| Return on Equity | 11.36% | 11.54% | 9.65% | 9.86% | 9.29% | 7.96% | 10.86% | 11.23% | +137 bps | |
| Net Interest Margin | 3.96% | 4.01% | 3.97% | 4.02% | 4.07% | 4.10% | 3.98% | 4.15% | +13 bps | |
| Efficiency Ratio | 65.14% | 66.73% | 67.65% | 66.84% | 68.44% | 71.16% | 63.25% | 63.07% | -377 bps | |
| Non-Interest Burden | 2.20% | 2.30% | 2.40% | 2.40% | 2.52% | 2.70% | 2.22% | 2.33% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | -1.51% | -1.60% | -3.98% | -4.13% | -1.32% | -3.87% | -3.33% | +64 bps | |
| Loan Growth (YoY) | -0.81% | -4.75% | -7.00% | -6.66% | -5.29% | -1.97% | -4.21% | -5.11% | +155 bps | |
| Deposit Growth (YoY) | 7.83% | 1.16% | 1.61% | -1.17% | -2.32% | -0.66% | -3.42% | -4.00% | -284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.81% | 0.95% | 0.62% | 0.23% | 0.28% | 0.26% | 0.68% | 0.43% | +20 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.11% | 0.82% | 0.47% | 0.37% | 0.30% | 0.16% | 0.07% | -39 bps | |
| Allowance / Loans | 1.06% | 1.09% | 0.94% | 0.95% | 1.02% | 1.02% | 1.06% | 1.11% | +16 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 1.5x | 4.2x | 3.6x | 3.9x | 1.6x | 2.6x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.26% | 9.33% | 9.46% | 9.72% | 9.74% | 9.89% | 10.43% | +97 bps | |
| Total Risk-Based Capital | 13.98% | 9.26% | 9.33% | 9.46% | 9.72% | 9.74% | 9.89% | 10.43% | +97 bps | |
| Equity / Assets | 9.38% | 9.66% | 9.55% | 10.05% | 10.35% | 10.43% | 10.40% | 10.87% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.20% | 88.12% | 85.54% | 87.17% | 84.54% | 86.96% | 84.84% | 86.17% | -101 bps | |
| Liquid Assets / Assets | 8.67% | 6.20% | 7.62% | 4.47% | 7.64% | 4.96% | 6.53% | 6.03% | +157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 259% | 276% | 259% | n/a | n/a | |