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 | |