Cleveland, TN · Cert 26955
FDIC · 5 branches
Q2 2025
Market Position · Cleveland, TN · 2025 SOD (annual) · 10.2% share · #6 of 15 inst. · $0.3B of $2.8B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.04% | 2.08% | 2.32% | -1.67% | 0.66% | -138 bps | |
| Return on Equity | 12.44% | 12.37% | 13.67% | -8.02% | 3.00% | -944 bps | |
| Net Interest Margin | 4.53% | 4.59% | 4.68% | 2.10% | 4.21% | -31 bps | |
| Efficiency Ratio | 50.12% | 50.07% | 47.14% | 33.92% | 35.25% | -1,487 bps | |
| Non-Interest Burden | 1.94% | 1.98% | 1.71% | 0.72% | 1.47% | -47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | -3.02% | -2.55% | 5.50% | 8.39% | +879 bps | |
| Loan Growth (YoY) | 5.76% | 8.31% | 9.39% | 5.76% | 6.19% | +43 bps | |
| Deposit Growth (YoY) | -2.35% | -4.39% | -6.55% | -2.11% | 0.27% | +262 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.07% | -0.05% | 0.00% | 0.00% | +11 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.08% | 1.11% | 1.08% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.17% | 18.54% | 19.33% | 18.38% | 18.15% | -2 bps | |
| Total Risk-Based Capital | 24.15% | 23.93% | 24.03% | 23.44% | 23.31% | -84 bps | |
| Equity / Assets | 17.04% | 18.01% | 17.62% | 23.77% | 24.40% | +736 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.25% | 100.76% | 103.25% | 98.19% | 101.93% | +568 bps | |
| Liquid Assets / Assets | 7.18% | 3.27% | 5.04% | 14.10% | 12.29% | +511 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |