Kingsport, TN · Cert 21573 · Banctenn Corp.
State charter, non-member · FDIC · 23 branches
Q2 2026
Market Position · Johnson City, TN · 2026 SOD (annual) · 17.8% share · #2 of 19 inst. · $0.9B of $5.3B
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 | 1.19% | 1.22% | 1.27% | 1.37% | 1.46% | +27 bps | |
| Return on Equity | 13.76% | 14.06% | 14.40% | 15.05% | 16.16% | +240 bps | |
| Net Interest Margin | 3.44% | 3.45% | 3.53% | 3.84% | 3.80% | +36 bps | |
| Efficiency Ratio | 62.40% | 61.64% | 60.21% | 58.82% | 56.71% | -569 bps | |
| Non-Interest Burden | 1.93% | 1.91% | 1.90% | 2.07% | 1.93% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.51% | 8.49% | 5.95% | 7.38% | 13.94% | +943 bps | |
| Loan Growth (YoY) | 0.67% | 2.34% | 4.47% | 9.04% | 16.14% | +1,547 bps | |
| Deposit Growth (YoY) | 8.45% | 11.06% | 5.32% | 4.58% | 1.83% | -663 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.31% | 0.44% | 0.39% | 0.45% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.06% | -0.05% | 0.01% | +2 bps | |
| Allowance / Loans | 0.98% | 0.95% | 0.95% | 0.93% | 0.87% | -11 bps | |
| Allowance Coverage of NPLs | 2.6x | 3.0x | 2.2x | 2.4x | 2.0x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 9.59% | 9.62% | 9.74% | 9.63% | -4 bps | |
| Total Risk-Based Capital | 12.92% | 13.04% | 12.86% | 12.69% | 12.29% | -63 bps | |
| Equity / Assets | 8.87% | 8.89% | 9.22% | 9.04% | 8.80% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.41% | 86.29% | 89.66% | 92.19% | 100.84% | +1,243 bps | |
| Liquid Assets / Assets | 1.24% | 1.05% | 1.08% | 1.07% | 1.08% | -16 bps | |
| CRE / Total Capital | n/a | 470% | 481% | 498% | n/a | n/a | |