Brownsville, TN · Cert 22020 · Independent S Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.6% share · #30 of 48 inst. · $0.3B of $46.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.94% | 0.71% | 0.81% | 0.84% | 0.89% | 0.82% | 0.84% | +3 bps | |
| Return on Equity | 11.32% | 11.89% | 9.16% | 10.44% | 10.80% | 11.44% | 10.44% | 10.88% | +44 bps | |
| Net Interest Margin | 3.96% | 3.87% | 3.82% | 3.89% | 3.87% | 3.79% | 3.81% | 3.85% | -4 bps | |
| Efficiency Ratio | 77.37% | 77.38% | 80.76% | 80.27% | 79.04% | 78.14% | 78.34% | 76.81% | -346 bps | |
| Non-Interest Burden | 2.87% | 2.82% | 2.96% | 2.98% | 2.91% | 2.80% | 2.78% | 2.77% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.90% | 6.68% | 6.48% | 5.28% | 7.38% | 7.82% | 4.67% | 9.75% | +448 bps | |
| Loan Growth (YoY) | 5.34% | 5.03% | 6.02% | 4.52% | 8.15% | 9.62% | 7.31% | 10.65% | +613 bps | |
| Deposit Growth (YoY) | 4.05% | 5.22% | 7.04% | 5.66% | 4.16% | 4.78% | 2.26% | 2.84% | -282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.63% | 1.52% | 1.51% | 1.59% | 1.52% | 1.95% | 2.68% | 2.29% | +70 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.10% | 0.15% | 0.09% | 0.14% | +14 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.38% | 1.36% | 1.23% | 1.12% | 1.16% | 1.12% | -24 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.9x | 0.8x | 0.6x | 0.4x | 0.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 8.99% | 8.78% | 8.76% | 8.68% | 8.53% | 8.59% | 8.48% | -29 bps | |
| Total Risk-Based Capital | 9.12% | 8.99% | 11.93% | 11.90% | 11.35% | 11.12% | 11.17% | 11.24% | -65 bps | |
| Equity / Assets | 8.06% | 7.77% | 7.73% | 7.87% | 7.77% | 7.82% | 7.84% | 7.61% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.89% | 85.68% | 82.56% | 84.90% | 90.22% | 89.64% | 86.63% | 91.35% | +645 bps | |
| Liquid Assets / Assets | 0.89% | 1.49% | 0.40% | 0.33% | 0.34% | 0.22% | 0.23% | 0.21% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 409% | 437% | 438% | n/a | n/a | |