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Bank of Gleason

Gleason, TN · Cert 2379 · Bancshares of Gleason Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$138.5MAssets
$81.3MLoans
$113.2MDeposits
$24.4MEquity
Loan mix
65%RE $48.4M22%C&I $16.1M13%Consumer $9.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $89.2M21%Noninterest $24.0MQ2 2025Q2 2026

NIM

5.04%Q2 ’244.86%Q2 ’255.11%Q2 ’26+1%+11%

Non-interest income vs. expense

2.00%Q2 ’242.07%Q2 ’252.07%Q2 ’26+7%+2%

Executive Summary

  • Earnings: ROA of 1.19%, up 23 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.14% of loans (-7 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 20.86%, down 54 bps from a year ago.
  • Funding: loans stand at 71.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+34 bps YoY

Efficiency Ratio (YTD, annualized)

58.92%-550 bps YoY

Tier 1 Leverage Ratio

20.86%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.94%0.87%1.02%1.19%+23 bps
Return on Equity5.52%5.41%4.96%5.77%6.77%+125 bps
Net Interest Margin3.08%3.05%3.11%3.42%3.43%+34 bps
Efficiency Ratio64.42%64.30%67.26%57.81%58.92%-550 bps
Non-Interest Burden1.94%1.93%2.06%1.94%1.99%+5 bps
Growth
Asset Growth (YoY)2.81%5.65%8.09%6.09%6.94%+413 bps
Loan Growth (YoY)6.70%8.02%8.27%8.71%13.22%+653 bps
Deposit Growth (YoY)3.16%6.73%7.88%6.10%6.00%+284 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.26%0.21%0.11%0.14%-7 bps
Net Charge-Offs / Loans-0.03%-0.01%-0.01%0.00%-0.01%+2 bps
Allowance / Loans1.10%1.10%1.08%1.05%1.00%-10 bps
Allowance Coverage of NPLs5.3x4.3x5.0x9.6x7.0x+1.7x
Capital
Tier 1 Leverage Ratio21.40%20.99%21.03%21.11%20.86%-54 bps
Total Risk-Based Capital35.49%34.50%35.20%35.02%34.66%-83 bps
Equity / Assets17.08%17.49%17.90%17.38%17.65%+57 bps
Liquidity & Funding
Loans / Deposits67.19%65.46%67.87%70.01%71.77%+458 bps
Liquid Assets / Assets4.36%6.26%3.24%2.83%3.25%-110 bps
CRE / Total Capitaln/a28.89%29.94%30.76%n/an/a