Sevierville, TN · Cert 20954 · CNB Bancshares Inc.
National charter · OCC · 21 branches
Q2 2026
Market Position · Morristown, TN · 2026 SOD (annual) · 8.0% share · #6 of 12 inst. · $0.2B of $2.4B
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 | 1.33% | 1.41% | 1.24% | 1.46% | 1.41% | 1.88% | 1.56% | 1.71% | +25 bps | |
| Return on Equity | 15.81% | 17.34% | 15.19% | 16.69% | 15.54% | 20.02% | 16.26% | 17.66% | +98 bps | |
| Net Interest Margin | 2.82% | 2.97% | 2.91% | 3.09% | 3.22% | 3.35% | 3.24% | 3.36% | +28 bps | |
| Efficiency Ratio | 51.76% | 48.70% | 51.31% | 46.64% | 47.58% | 42.50% | 43.44% | 42.05% | -459 bps | |
| Non-Interest Burden | 1.16% | 1.20% | 1.29% | 1.14% | 1.29% | 1.01% | 1.15% | 1.13% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.06% | 6.59% | 12.04% | 10.21% | 2.74% | 1.86% | 3.92% | 3.44% | -678 bps | |
| Loan Growth (YoY) | 6.25% | 7.29% | 6.79% | 6.27% | 9.95% | 5.43% | 6.58% | 4.34% | -193 bps | |
| Deposit Growth (YoY) | 17.41% | 18.59% | 19.14% | 17.03% | 2.00% | -0.33% | 2.88% | 2.43% | -1,460 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.01% | 0.03% | 0.05% | 0.01% | 0.03% | 0.04% | +1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.13% | 1.10% | 1.11% | 1.12% | 1.14% | 1.18% | 1.20% | 1.22% | +10 bps | |
| Allowance Coverage of NPLs | 3404.8x | 170.2x | 173.2x | 37.4x | 23.8x | 97.4x | 37.0x | 27.5x | -10.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.23% | 10.03% | 10.11% | 10.52% | 10.58% | 10.84% | 10.78% | 11.17% | +65 bps | |
| Total Risk-Based Capital | 15.00% | 14.80% | 14.98% | 15.28% | 15.43% | 16.22% | 16.02% | 16.27% | +99 bps | |
| Equity / Assets | 8.53% | 7.76% | 8.55% | 8.91% | 9.21% | 9.60% | 9.54% | 9.81% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.26% | 70.26% | 73.61% | 75.03% | 76.81% | 74.32% | 76.26% | 76.43% | +140 bps | |
| Liquid Assets / Assets | 8.61% | 7.57% | 3.18% | 4.90% | 4.26% | 8.20% | 6.02% | 4.55% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 478% | 454% | 465% | n/a | n/a | |