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 (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 | 0.87% | 0.94% | 1.13% | 1.24% | 1.30% | 1.37% | 1.37% | 1.54% | +30 bps | |
| Return on Equity | 10.32% | 10.92% | 13.27% | 14.24% | 14.66% | 15.17% | 15.05% | 17.31% | +307 bps | |
| Net Interest Margin | 3.09% | 3.48% | 3.34% | 3.53% | 3.68% | 3.97% | 3.84% | 3.92% | +39 bps | |
| Efficiency Ratio | 67.33% | 66.35% | 64.27% | 60.60% | 60.22% | 56.48% | 58.82% | 54.79% | -581 bps | |
| Non-Interest Burden | 1.87% | 2.11% | 1.94% | 1.91% | 2.00% | 2.00% | 2.07% | 1.88% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.37% | 4.24% | 5.27% | 4.51% | 8.49% | 5.95% | 7.38% | 13.94% | +943 bps | |
| Loan Growth (YoY) | 4.45% | 3.61% | 4.02% | 0.67% | 2.34% | 4.47% | 9.04% | 16.14% | +1,547 bps | |
| Deposit Growth (YoY) | 4.95% | 6.94% | 4.67% | 8.45% | 11.06% | 5.32% | 4.58% | 1.83% | -663 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.21% | 0.29% | 0.38% | 0.31% | 0.44% | 0.39% | 0.45% | +6 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | -0.01% | 0.00% | 0.12% | 0.13% | -0.05% | 0.07% | +7 bps | |
| Allowance / Loans | 1.00% | 0.98% | 0.97% | 0.98% | 0.95% | 0.95% | 0.93% | 0.87% | -11 bps | |
| Allowance Coverage of NPLs | 3.2x | 4.7x | 3.3x | 2.6x | 3.0x | 2.2x | 2.4x | 2.0x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.40% | 9.49% | 9.44% | 9.67% | 9.59% | 9.62% | 9.74% | 9.63% | -4 bps | |
| Total Risk-Based Capital | 12.86% | 12.47% | 12.60% | 12.92% | 13.04% | 12.86% | 12.69% | 12.29% | -63 bps | |
| Equity / Assets | 8.71% | 8.43% | 8.58% | 8.87% | 8.89% | 9.22% | 9.04% | 8.80% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.64% | 90.39% | 88.42% | 88.41% | 86.29% | 89.66% | 92.19% | 100.84% | +1,243 bps | |
| Liquid Assets / Assets | 1.06% | 0.98% | 1.11% | 1.24% | 1.05% | 1.08% | 1.07% | 1.08% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 470% | 481% | 498% | n/a | n/a | |