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 | |