Collierville, TN · Cert 29177 · Banktennessee Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
37
Profitability
44
Liquidity
51
Efficiency
50
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Collierville, TN · Cert 29177 · Banktennessee Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.8% share · #23 of 48 inst. · $0.4B of $46.3B
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 | 0.89% | 0.81% | 1.04% | 0.91% | 0.91% | 0.89% | 0.85% | 0.87% | -4 bps | |
| Return on Equity | 10.15% | 9.26% | 11.49% | 9.92% | 9.77% | 9.48% | 8.73% | 8.90% | -102 bps | |
| Net Interest Margin | 3.15% | 3.09% | 3.19% | 3.25% | 3.28% | 3.32% | 3.51% | 3.51% | +26 bps | |
| Efficiency Ratio | 69.06% | 70.50% | 65.36% | 67.31% | 67.79% | 67.79% | 67.90% | 67.88% | +57 bps | |
| Non-Interest Burden | 2.01% | 2.04% | 1.85% | 2.02% | 2.08% | 2.12% | 2.30% | 2.30% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | 5.93% | 4.12% | 4.13% | 0.75% | 0.33% | 1.15% | 3.45% | -67 bps | |
| Loan Growth (YoY) | 0.52% | 1.02% | 1.66% | -0.64% | -1.93% | 1.13% | 1.42% | 2.54% | +319 bps | |
| Deposit Growth (YoY) | 6.05% | 5.98% | 5.88% | 5.63% | 1.86% | 1.90% | 1.09% | 3.83% | -181 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.04% | 1.08% | 1.01% | 0.97% | 0.86% | 0.95% | 1.06% | 1.20% | +24 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.09% | -0.01% | -0.05% | 0.08% | 0.06% | 0.01% | 0.00% | +6 bps | |
| Allowance / Loans | 1.31% | 1.26% | 1.28% | 1.31% | 1.22% | 1.22% | 1.26% | 1.28% | -3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.3x | 1.4x | 1.4x | 1.3x | 1.2x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.87% | 8.97% | 9.16% | 9.30% | 9.39% | 9.58% | 9.71% | 9.73% | +42 bps | |
| Total Risk-Based Capital | 11.86% | 12.12% | 12.47% | 12.76% | 12.92% | 13.01% | 13.26% | 13.30% | +54 bps | |
| Equity / Assets | 8.89% | 8.94% | 9.18% | 9.34% | 9.72% | 9.71% | 9.82% | 9.78% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.69% | 95.10% | 93.45% | 93.02% | 94.06% | 94.38% | 93.75% | 91.87% | -115 bps | |
| Liquid Assets / Assets | 5.71% | 8.03% | 7.52% | 8.94% | 7.88% | 6.37% | 7.27% | 7.83% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 319% | 316% | 316% | n/a | n/a | |
Collierville, TN · Cert 29177 · Peer group: banks under $1B in assets (n=581-629) · Banktennessee Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Return on Assets
0.86%
Rank 391 of 629
Net Interest Margin
3.51%
Rank 326 of 629
Efficiency Ratio
67.88%
Rank 316 of 629
Equity / Assets
9.78%
Rank 398 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.60% | 1.01% | 1.45% | Beats 38% | 391 / 629 | ||
| Return on Equity | 8.76% | 5.38% | 9.30% | 13.28% | Beats 45% | 346 / 629 | ||
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 48% | 326 / 629 | ||
| Efficiency Ratio | 67.88% | 58.35% | 67.79% | 79.08% | Beats 50% | 316 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.09% | 0.46% | 1.20% | Beats 25% | 436 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 307 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.05% | 11.24% | 13.84% | 18.77% | Beats 34% | 416 / 629 | ||
| Total Risk-Based Capital Ratio | 13.30% | 11.58% | 14.43% | 19.66% | Beats 41% | 371 / 629 | ||
| Equity / Assets | 9.78% | 9.09% | 10.65% | 13.80% | Beats 37% | 398 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.87% | 67.24% | 80.90% | 93.48% | 73rd pctl | 162 / 594 | ||
| Loans / Assets | 79.94% | 53.31% | 67.71% | 78.15% | 81st pctl | 119 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||