Newport, TN · Cert 29089 · United Tennessee Bankshares
State savings bank · OCC · 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.71% | 0.73% | 0.79% | 0.83% | +12 bps | |
| Return on Equity | 9.84% | 9.48% | 9.42% | 9.41% | 9.91% | +7 bps | |
| Net Interest Margin | 2.34% | 2.40% | 2.45% | 2.60% | 2.66% | +31 bps | |
| Efficiency Ratio | 68.05% | 68.22% | 67.88% | 65.24% | 64.27% | -379 bps | |
| Non-Interest Burden | 1.44% | 1.51% | 1.54% | 1.60% | 1.61% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.74% | 1.03% | 1.53% | 2.15% | 0.85% | -89 bps | |
| Loan Growth (YoY) | 5.11% | 2.84% | 5.01% | 4.80% | 5.43% | +32 bps | |
| Deposit Growth (YoY) | 0.84% | 0.35% | -0.10% | 1.22% | -0.21% | -105 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.69% | 0.35% | 0.26% | 0.69% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.27% | 1.25% | 1.23% | -7 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.9x | 3.6x | 4.7x | 1.8x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.15% | 10.33% | 10.52% | 10.59% | 10.42% | +27 bps | |
| Total Risk-Based Capital | 22.67% | 23.61% | 23.28% | 23.50% | 22.93% | +26 bps | |
| Equity / Assets | 7.39% | 8.19% | 8.53% | 8.33% | 8.39% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.90% | 49.89% | 51.43% | 51.18% | 52.72% | +282 bps | |
| Liquid Assets / Assets | 7.42% | 6.17% | 3.95% | 5.27% | 4.02% | -339 bps | |
| CRE / Total Capital | n/a | 81.55% | 83.00% | 84.58% | n/a | n/a | |