Jefferson City, TN · Cert 21874 · First Peoples Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Morristown, TN · 2026 SOD (annual) · 5.9% share · #7 of 12 inst. · $0.1B of $2.4B
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 | 0.67% | 0.71% | 0.71% | 1.08% | 1.08% | +41 bps | |
| Return on Equity | 7.71% | 8.09% | 8.00% | 11.43% | 11.20% | +349 bps | |
| Net Interest Margin | 3.52% | 3.53% | 3.61% | 4.13% | 4.14% | +62 bps | |
| Efficiency Ratio | 76.35% | 74.81% | 71.80% | 66.95% | 67.05% | -930 bps | |
| Non-Interest Burden | 2.63% | 2.58% | 2.53% | 2.68% | 2.69% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.63% | 4.84% | 5.67% | 4.13% | 3.42% | +280 bps | |
| Loan Growth (YoY) | 5.13% | 4.56% | 2.59% | 9.73% | 10.42% | +529 bps | |
| Deposit Growth (YoY) | -1.44% | 6.42% | 3.21% | 1.64% | 1.98% | +342 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.09% | 0.08% | 0.08% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -1.06% | -106 bps | |
| Allowance / Loans | 1.66% | 1.62% | 1.63% | 1.55% | 2.04% | +38 bps | |
| Allowance Coverage of NPLs | 86.2x | 18.3x | 18.3x | 18.4x | 25.1x | -61.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.34% | 11.34% | 11.37% | 11.25% | 11.41% | +7 bps | |
| Total Risk-Based Capital | 16.35% | 15.61% | 15.44% | 15.15% | 15.20% | -116 bps | |
| Equity / Assets | 9.15% | 9.25% | 9.33% | 9.65% | 9.97% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.53% | 76.71% | 75.40% | 81.48% | 85.03% | +650 bps | |
| Liquid Assets / Assets | 0.55% | 0.61% | 0.61% | 0.62% | 0.64% | +8 bps | |
| CRE / Total Capital | n/a | 354% | 372% | 382% | n/a | n/a | |