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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.04% | 1.99% | 2.07% | 2.04% | 2.08% | 2.32% | -1.67% | 0.66% | -138 bps | |
| Return on Equity | 13.34% | 12.94% | 12.85% | 12.44% | 12.37% | 13.67% | -8.02% | 3.00% | -944 bps | |
| Net Interest Margin | 4.20% | 4.18% | 4.54% | 4.53% | 4.59% | 4.68% | 2.10% | 4.21% | -31 bps | |
| Efficiency Ratio | 49.24% | 49.64% | 49.16% | 50.12% | 50.07% | 47.14% | 33.92% | 35.25% | -1,487 bps | |
| Non-Interest Burden | 1.63% | 1.69% | 1.92% | 1.94% | 1.98% | 1.71% | 0.72% | 1.47% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | -1.07% | 0.69% | -0.40% | -3.02% | -2.55% | 5.50% | 8.39% | +879 bps | |
| Loan Growth (YoY) | 11.85% | 4.51% | 5.89% | 5.76% | 8.31% | 9.39% | 5.76% | 6.19% | +43 bps | |
| Deposit Growth (YoY) | -5.95% | -2.72% | -0.83% | -2.35% | -4.39% | -6.55% | -2.11% | 0.27% | +262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.22% | -0.11% | -0.07% | -0.05% | 0.00% | 0.00% | +11 bps | |
| Allowance / Loans | 1.15% | 1.13% | 1.17% | 1.14% | 1.11% | 1.08% | 1.11% | 1.08% | -7 bps | |
| Allowance Coverage of NPLs | 46.1x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.30% | 17.31% | 17.70% | 18.17% | 18.54% | 19.33% | 18.38% | 18.15% | -2 bps | |
| Total Risk-Based Capital | 23.88% | 25.42% | 26.03% | 24.15% | 23.93% | 24.03% | 23.44% | 23.31% | -84 bps | |
| Equity / Assets | 15.64% | 15.89% | 16.35% | 17.04% | 18.01% | 17.62% | 23.77% | 24.40% | +736 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.94% | 88.21% | 90.88% | 96.25% | 100.76% | 103.25% | 98.19% | 101.93% | +568 bps | |
| Liquid Assets / Assets | 8.23% | 10.47% | 11.14% | 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 | n/a | n/a | n/a |