Elizabethton, TN · Cert 29904
State savings bank · OCC · 5 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
66
Profitability
30
Liquidity
25
Efficiency
88
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.
Elizabethton, TN · Cert 29904
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Johnson City, TN · 2026 SOD (annual) · 2.6% share · #9 of 19 inst. · $0.1B of $5.3B
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 | 0.68% | 0.70% | 0.84% | 0.95% | 1.02% | 1.07% | 1.17% | 1.14% | +19 bps | |
| Return on Equity | 1.63% | 1.68% | 2.00% | 2.27% | 2.42% | 2.55% | 2.78% | 2.71% | +44 bps | |
| Net Interest Margin | 2.22% | 2.28% | 2.62% | 2.74% | 2.82% | 2.87% | 3.17% | 3.17% | +43 bps | |
| Efficiency Ratio | 55.59% | 56.95% | 49.86% | 49.00% | 48.11% | 48.25% | 47.03% | 48.63% | -37 bps | |
| Non-Interest Burden | 1.17% | 1.24% | 1.24% | 1.26% | 1.28% | 1.31% | 1.43% | 1.48% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.32% | 0.52% | 1.17% | 0.86% | 0.79% | 1.38% | 2.76% | 2.93% | +207 bps | |
| Loan Growth (YoY) | 4.28% | 3.97% | 6.71% | 6.20% | 10.21% | 11.14% | 8.81% | 9.08% | +288 bps | |
| Deposit Growth (YoY) | -1.80% | -0.38% | 0.45% | -0.18% | -0.56% | 0.38% | 2.66% | 3.04% | +323 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.05% | 0.10% | 0.00% | 0.10% | 0.00% | 0.00% | 0.25% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.92% | 0.93% | 0.92% | 0.88% | 0.86% | 0.86% | 0.84% | -8 bps | |
| Allowance Coverage of NPLs | 12.3x | 19.4x | 9.1x | 747.5x | 9.3x | n/a | 498.3x | 3.4x | -744.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 41.71% | 41.79% | 42.26% | 42.42% | 42.29% | 42.36% | 42.49% | 42.27% | -14 bps | |
| Total Risk-Based Capital | 41.71% | 41.79% | 42.26% | 42.42% | 42.29% | 42.36% | 42.49% | 42.27% | -14 bps | |
| Equity / Assets | 41.37% | 41.97% | 42.04% | 42.14% | 41.99% | 42.46% | 42.05% | 42.09% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.79% | 86.24% | 88.18% | 89.58% | 91.76% | 95.49% | 93.46% | 94.82% | +524 bps | |
| Liquid Assets / Assets | 48.78% | 46.68% | 45.73% | 43.35% | 41.30% | 39.62% | 37.50% | 36.41% | -694 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 26.03% | 25.08% | 25.06% | n/a | n/a | |
Elizabethton, TN · Cert 29904 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
1.13%
Rank 330 of 746
Net Interest Margin
3.17%
Rank 561 of 746
Efficiency Ratio
48.63%
Rank 91 of 746
Equity / Assets
42.09%
Rank 5 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 56% | 330 / 746 | ||
| Return on Equity | 2.69% | 6.74% | 10.51% | 13.63% | Beats 10% | 668 / 746 | ||
| Net Interest Margin | 3.17% | 3.17% | 3.68% | 4.16% | Beats 25% | 561 / 746 | ||
| Efficiency Ratio | 48.63% | 55.74% | 64.58% | 75.47% | Beats 88% | 91 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.42% | 1.07% | Beats 63% | 277 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.27% | 11.55% | 13.75% | 17.60% | Beats 98% | 17 / 746 | ||
| Total Risk-Based Capital Ratio | 42.27% | 11.71% | 14.33% | 18.43% | Beats 97% | 19 / 746 | ||
| Equity / Assets | 42.09% | 8.90% | 10.51% | 13.06% | Beats 99% | 5 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.82% | 61.31% | 78.27% | 90.78% | 84th pctl | 123 / 746 | ||
| Loans / Assets | 54.65% | 53.60% | 66.97% | 76.08% | 26th pctl | 551 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||