Newport, TN · Cert 29089 · United Tennessee Bankshares
State savings bank · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.36% | 0.62% | 0.82% | 0.70% | 0.77% | 0.79% | 0.87% | +5 bps | |
| Return on Equity | 6.98% | 4.85% | 8.52% | 10.99% | 9.01% | 9.24% | 9.41% | 10.41% | -58 bps | |
| Net Interest Margin | 2.14% | 2.15% | 2.27% | 2.42% | 2.51% | 2.59% | 2.60% | 2.72% | +30 bps | |
| Efficiency Ratio | 74.92% | 81.89% | 71.15% | 65.30% | 68.57% | 66.89% | 65.24% | 63.35% | -195 bps | |
| Non-Interest Burden | 1.53% | 1.71% | 1.50% | 1.39% | 1.63% | 1.64% | 1.60% | 1.62% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.19% | 3.00% | 2.37% | 1.74% | 1.03% | 1.53% | 2.15% | 0.85% | -89 bps | |
| Loan Growth (YoY) | 3.95% | 3.60% | 5.41% | 5.11% | 2.84% | 5.01% | 4.80% | 5.43% | +32 bps | |
| Deposit Growth (YoY) | 0.80% | 2.78% | 1.36% | 0.84% | 0.35% | -0.10% | 1.22% | -0.21% | -105 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.56% | 0.11% | 0.54% | 0.69% | 0.35% | 0.26% | 0.69% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | 0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.38% | 1.34% | 1.31% | 1.30% | 1.32% | 1.27% | 1.25% | 1.23% | -7 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.4x | 11.9x | 2.4x | 1.9x | 3.6x | 4.7x | 1.8x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.21% | 10.31% | 10.15% | 10.33% | 10.52% | 10.59% | 10.42% | +27 bps | |
| Total Risk-Based Capital | 22.69% | 22.54% | 22.97% | 22.67% | 23.61% | 23.28% | 23.50% | 22.93% | +26 bps | |
| Equity / Assets | 7.64% | 7.04% | 7.47% | 7.39% | 8.19% | 8.53% | 8.33% | 8.39% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.68% | 48.93% | 49.43% | 49.90% | 49.89% | 51.43% | 51.18% | 52.72% | +282 bps | |
| Liquid Assets / Assets | 8.20% | 6.94% | 7.32% | 7.42% | 6.17% | 3.95% | 5.27% | 4.02% | -339 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 81.55% | 83.00% | 84.58% | n/a | n/a | |