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 | |