Pennington Gap, VA · Cert 22888
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 0.2% share · #22 of 24 inst. · $0.0B of $5.9B
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 | 1.56% | 1.58% | 1.47% | 1.46% | 1.63% | +7 bps | |
| Return on Equity | 11.92% | 11.98% | 11.14% | 11.17% | 12.45% | +53 bps | |
| Net Interest Margin | 4.67% | 4.65% | 4.67% | 4.65% | 4.60% | -7 bps | |
| Efficiency Ratio | 62.83% | 62.50% | 64.99% | 63.65% | 61.12% | -171 bps | |
| Non-Interest Burden | 2.71% | 2.68% | 2.83% | 2.73% | 2.58% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.57% | 4.04% | 4.67% | 5.99% | 7.44% | +488 bps | |
| Loan Growth (YoY) | 8.87% | 7.76% | 8.48% | 3.88% | 6.09% | -279 bps | |
| Deposit Growth (YoY) | 1.73% | 3.45% | 4.16% | 5.68% | 7.41% | +568 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.16% | 0.19% | 0.20% | 0.32% | +15 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.08% | 0.08% | 0.09% | 0.10% | +4 bps | |
| Allowance / Loans | 1.62% | 1.60% | 1.57% | 1.62% | 1.55% | -7 bps | |
| Allowance Coverage of NPLs | 10.1x | 10.2x | 8.5x | 8.0x | 4.9x | -5.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.50% | 13.57% | 13.21% | 13.30% | 13.28% | -21 bps | |
| Total Risk-Based Capital | 13.50% | 13.57% | 13.21% | 13.30% | 13.28% | -21 bps | |
| Equity / Assets | 13.35% | 13.45% | 13.15% | 13.02% | 13.17% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.23% | 60.93% | 62.20% | 58.78% | 60.48% | -75 bps | |
| Liquid Assets / Assets | 35.01% | 34.05% | 32.92% | 37.93% | 36.07% | +105 bps | |
| CRE / Total Capital | n/a | 100.27% | 113.33% | 102.74% | n/a | n/a | |