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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.44% | 1.47% | 1.43% | 1.45% | +4 bps | |
| Return on Equity | 17.34% | 17.19% | 17.52% | 16.88% | 16.80% | -54 bps | |
| Net Interest Margin | 3.37% | 3.45% | 3.48% | 3.46% | 3.48% | +11 bps | |
| Efficiency Ratio | 54.85% | 54.68% | 54.60% | 54.19% | 54.31% | -54 bps | |
| Non-Interest Burden | 1.62% | 1.65% | 1.66% | 1.62% | 1.65% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.27% | 6.21% | 7.39% | 8.36% | 5.77% | -350 bps | |
| Loan Growth (YoY) | 9.38% | 9.39% | 14.57% | 12.58% | 9.80% | +42 bps | |
| Deposit Growth (YoY) | 8.94% | 5.62% | 6.92% | 8.10% | 4.94% | -399 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.74% | 0.51% | 0.48% | 0.64% | 0.75% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.03% | -0.01% | 0.05% | +5 bps | |
| Allowance / Loans | 1.82% | 1.74% | 1.63% | 1.65% | 1.61% | -20 bps | |
| Allowance Coverage of NPLs | 2.5x | 3.4x | 3.4x | 2.6x | 2.2x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.04% | 9.51% | 9.05% | 9.13% | 9.34% | +31 bps | |
| Total Risk-Based Capital | 9.04% | 9.51% | 9.05% | 9.13% | 9.34% | +31 bps | |
| Equity / Assets | 8.28% | 8.96% | 8.41% | 8.51% | 9.05% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.53% | 72.53% | 74.49% | 71.12% | 72.75% | +322 bps | |
| Liquid Assets / Assets | 20.33% | 17.25% | 13.38% | 16.92% | 12.10% | -823 bps | |
| CRE / Total Capital | n/a | 335% | 360% | 342% | n/a | n/a | |