Gleason, TN · Cert 2379 · Bancshares of Gleason Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
61
Profitability
39
Liquidity
80
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Gleason, TN · Cert 2379 · Bancshares of Gleason Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.91% | 0.75% | 1.04% | 0.96% | 0.94% | 0.87% | 1.02% | 1.19% | +23 bps | |
| Return on Equity | 5.22% | 4.28% | 5.93% | 5.52% | 5.41% | 4.96% | 5.77% | 6.77% | +125 bps | |
| Net Interest Margin | 2.83% | 2.93% | 3.04% | 3.08% | 3.05% | 3.11% | 3.42% | 3.43% | +34 bps | |
| Efficiency Ratio | 62.60% | 69.76% | 62.21% | 64.42% | 64.30% | 67.26% | 57.81% | 58.92% | -550 bps | |
| Non-Interest Burden | 1.71% | 2.00% | 1.85% | 1.94% | 1.93% | 2.06% | 1.94% | 1.99% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.85% | -2.73% | 0.08% | 2.81% | 5.65% | 8.09% | 6.09% | 6.94% | +413 bps | |
| Loan Growth (YoY) | 3.55% | 4.98% | 7.25% | 6.70% | 8.02% | 8.27% | 8.71% | 13.22% | +653 bps | |
| Deposit Growth (YoY) | 1.99% | -3.25% | -0.28% | 3.16% | 6.73% | 7.88% | 6.10% | 6.00% | +284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.12% | 0.26% | 0.21% | 0.26% | 0.21% | 0.11% | 0.14% | -7 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | -0.03% | -0.03% | -0.01% | -0.01% | 0.00% | -0.01% | +2 bps | |
| Allowance / Loans | 1.16% | 1.12% | 1.10% | 1.10% | 1.10% | 1.08% | 1.05% | 1.00% | -10 bps | |
| Allowance Coverage of NPLs | 4.8x | 9.5x | 4.2x | 5.3x | 4.3x | 5.0x | 9.6x | 7.0x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.63% | 22.10% | 21.86% | 21.40% | 20.99% | 21.03% | 21.11% | 20.86% | -54 bps | |
| Total Risk-Based Capital | 36.56% | 37.37% | 36.70% | 35.49% | 34.50% | 35.20% | 35.02% | 34.66% | -83 bps | |
| Equity / Assets | 18.29% | 17.73% | 17.51% | 17.08% | 17.49% | 17.90% | 17.38% | 17.65% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.68% | 67.63% | 68.33% | 67.19% | 65.46% | 67.87% | 70.01% | 71.77% | +458 bps | |
| Liquid Assets / Assets | 5.01% | 1.29% | 2.52% | 4.36% | 6.26% | 3.24% | 2.83% | 3.25% | -110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 28.89% | 29.94% | 30.76% | n/a | n/a | |
Gleason, TN · Cert 2379 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancshares of Gleason Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.17%
Rank 311 of 746
Net Interest Margin
3.43%
Rank 475 of 746
Efficiency Ratio
58.92%
Rank 262 of 746
Equity / Assets
17.65%
Rank 58 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 58% | 311 / 746 | ||
| Return on Equity | 6.64% | 6.74% | 10.51% | 13.63% | Beats 24% | 565 / 746 | ||
| Net Interest Margin | 3.43% | 3.17% | 3.68% | 4.16% | Beats 36% | 475 / 746 | ||
| Efficiency Ratio | 58.92% | 55.74% | 64.58% | 75.47% | Beats 65% | 262 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 220 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 372 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.72% | 11.55% | 13.75% | 17.60% | Beats 96% | 30 / 746 | ||
| Total Risk-Based Capital Ratio | 34.66% | 11.71% | 14.33% | 18.43% | Beats 96% | 30 / 746 | ||
| Equity / Assets | 17.65% | 8.90% | 10.51% | 13.06% | Beats 92% | 58 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.77% | 61.31% | 78.27% | 90.78% | 38th pctl | 464 / 746 | ||
| Loans / Assets | 58.68% | 53.60% | 66.97% | 76.08% | 33rd pctl | 498 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||