Bartlett, TN · Cert 23123 · West Tennessee Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.0% share · #19 of 48 inst. · $0.5B of $46.3B
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 | 0.48% | 0.47% | 0.47% | 0.62% | 0.64% | 0.52% | 0.58% | 0.72% | +10 bps | |
| Return on Equity | 9.00% | 8.37% | 8.33% | 10.62% | 10.49% | 7.99% | 8.39% | 10.22% | -40 bps | |
| Net Interest Margin | 3.01% | 3.18% | 3.19% | 3.19% | 3.37% | 3.48% | 3.45% | 3.53% | +34 bps | |
| Efficiency Ratio | 82.47% | 82.07% | 81.91% | 77.62% | 78.93% | 80.81% | 82.84% | 77.82% | +20 bps | |
| Non-Interest Burden | 2.33% | 2.46% | 2.48% | 2.28% | 2.48% | 2.63% | 2.72% | 2.51% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | 1.69% | 2.06% | 2.08% | 0.42% | -2.34% | -4.45% | -6.31% | -838 bps | |
| Loan Growth (YoY) | 9.73% | 7.77% | 8.78% | 7.15% | 4.49% | 1.88% | -0.39% | -1.98% | -913 bps | |
| Deposit Growth (YoY) | 0.16% | 0.13% | 2.21% | 2.82% | 4.88% | 3.06% | 2.18% | 0.78% | -204 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.67% | 0.62% | 0.90% | 0.63% | 0.78% | 0.82% | 0.98% | +8 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.04% | 0.06% | 0.05% | 0.00% | 0.04% | 0.04% | -1 bps | |
| Allowance / Loans | 0.85% | 0.86% | 0.87% | 0.88% | 0.89% | 0.90% | 0.90% | 0.92% | +4 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 1.4x | 1.0x | 1.4x | 1.1x | 1.1x | 0.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.62% | 7.71% | 7.77% | 7.71% | 7.80% | 8.14% | 8.36% | 8.51% | +79 bps | |
| Total Risk-Based Capital | 13.32% | 13.38% | 13.48% | 13.41% | 13.73% | 14.13% | 14.42% | 8.51% | -490 bps | |
| Equity / Assets | 5.74% | 5.38% | 5.79% | 5.96% | 6.29% | 6.82% | 6.98% | 7.18% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.89% | 85.80% | 84.69% | 84.91% | 84.58% | 84.82% | 82.56% | 82.58% | -233 bps | |
| Liquid Assets / Assets | 0.56% | 0.40% | 1.00% | 0.97% | 0.73% | 0.25% | 0.45% | 0.52% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 184.05% | 169.40% | 167.48% | n/a | n/a | |