Dunlap, TN · Cert 20818 · Sequatchie Valley Bancshares
State charter, non-member · FDIC · 24 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
9
Asset Quality
31
Profitability
68
Liquidity
39
Efficiency
68
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.
Dunlap, TN · Cert 20818 · Sequatchie Valley Bancshares
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 4.3% share · #8 of 30 inst. · $0.7B 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 | 1.33% | 1.37% | 1.32% | 1.41% | 1.44% | 1.47% | 1.43% | 1.45% | +4 bps | |
| Return on Equity | 16.90% | 17.40% | 16.35% | 17.34% | 17.19% | 17.52% | 16.88% | 16.80% | -54 bps | |
| Net Interest Margin | 3.18% | 3.20% | 3.30% | 3.37% | 3.45% | 3.48% | 3.46% | 3.48% | +11 bps | |
| Efficiency Ratio | 55.66% | 55.10% | 56.13% | 54.85% | 54.68% | 54.60% | 54.19% | 54.31% | -54 bps | |
| Non-Interest Burden | 1.53% | 1.53% | 1.63% | 1.62% | 1.65% | 1.66% | 1.62% | 1.65% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.87% | 11.69% | 9.79% | 9.27% | 6.21% | 7.39% | 8.36% | 5.77% | -350 bps | |
| Loan Growth (YoY) | 6.84% | 6.95% | 5.92% | 9.38% | 9.39% | 14.57% | 12.58% | 9.80% | +42 bps | |
| Deposit Growth (YoY) | 11.49% | 11.23% | 9.05% | 8.94% | 5.62% | 6.92% | 8.10% | 4.94% | -399 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.66% | 0.72% | 0.74% | 0.51% | 0.48% | 0.64% | 0.75% | +1 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.01% | 0.00% | 0.03% | 0.03% | -0.01% | 0.05% | +5 bps | |
| Allowance / Loans | 1.93% | 1.89% | 1.88% | 1.82% | 1.74% | 1.63% | 1.65% | 1.61% | -20 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.9x | 2.6x | 2.5x | 3.4x | 3.4x | 2.6x | 2.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.40% | 9.15% | 9.21% | 9.04% | 9.51% | 9.05% | 9.13% | 9.34% | +31 bps | |
| Total Risk-Based Capital | 9.40% | 9.15% | 9.21% | 9.04% | 9.51% | 9.05% | 9.13% | 9.34% | +31 bps | |
| Equity / Assets | 8.39% | 7.93% | 8.21% | 8.28% | 8.96% | 8.41% | 8.51% | 9.05% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.03% | 69.51% | 68.30% | 69.53% | 72.53% | 74.49% | 71.12% | 72.75% | +322 bps | |
| Liquid Assets / Assets | 16.50% | 17.92% | 19.94% | 20.33% | 17.25% | 13.38% | 16.92% | 12.10% | -823 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 335% | 360% | 342% | n/a | n/a | |
Dunlap, TN · Cert 20818 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Sequatchie Valley Bancshares
State charter, non-member · FDIC · 24 branches
Q2 2026
Return on Assets
1.44%
Rank 76 of 258
Net Interest Margin
3.48%
Rank 132 of 258
Efficiency Ratio
54.46%
Rank 83 of 257
Equity / Assets
9.05%
Rank 197 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.93% | 1.23% | 1.54% | Beats 71% | 76 / 258 | ||
| Return on Equity | 15.96% | 9.26% | 11.84% | 14.74% | Beats 83% | 45 / 258 | ||
| Net Interest Margin | 3.48% | 3.16% | 3.49% | 3.88% | Beats 49% | 132 / 258 | ||
| Efficiency Ratio | 54.46% | 51.71% | 60.30% | 69.65% | Beats 68% | 83 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.19% | 0.46% | 0.90% | Beats 30% | 182 / 258 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 32% | 176 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.34% | 11.41% | 12.98% | 15.12% | Beats 2% | 254 / 258 | ||
| Total Risk-Based Capital Ratio | 9.34% | 12.10% | 13.91% | 16.08% | Beats 2% | 254 / 258 | ||
| Equity / Assets | 9.05% | 9.09% | 10.24% | 11.72% | Beats 24% | 197 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.75% | 73.24% | 86.34% | 95.95% | 24th pctl | 195 / 258 | ||
| Loans / Assets | 65.51% | 63.01% | 72.27% | 78.40% | 29th pctl | 182 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||