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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

5.08%Q2 ’244.99%Q2 ’255.24%Q2 ’26+6%+10%

Non-interest income vs. expense

2.05%Q2 ’242.25%Q2 ’252.17%Q2 ’26+14%+1%

Executive Summary

  • Earnings: ROA of 1.38%, up 49 bps year over year; NIM at 3.54%.
  • 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 (quarter, annualized)

1.38%+49 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+32 bps YoY

Efficiency Ratio (quarter, annualized)

59.97%-644 bps YoY

Tier 1 Leverage Ratio

20.86%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.91%0.65%1.02%1.38%+49 bps
Return on Equity5.11%5.28%3.67%5.77%7.85%+274 bps
Net Interest Margin3.22%3.19%3.27%3.42%3.54%+32 bps
Efficiency Ratio66.41%64.07%75.58%57.81%59.97%-644 bps
Non-Interest Burden2.08%2.03%2.45%1.94%2.09%+1 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%0.02%-0.01%0.00%-0.01%+1 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