Greeneville, TN · Cert 31198
State savings bank · OCC · 3 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 | 0.72% | 0.84% | 2.03% | 1.06% | 1.32% | 0.86% | 0.87% | 1.60% | +54 bps | |
| Return on Equity | 4.79% | 5.69% | 13.67% | 6.97% | 8.77% | 5.83% | 5.85% | 10.48% | +351 bps | |
| Net Interest Margin | 4.11% | 4.04% | 4.10% | 4.41% | 4.46% | 4.31% | 4.23% | 5.20% | +79 bps | |
| Efficiency Ratio | 77.57% | 85.79% | 76.99% | 69.08% | 64.43% | 80.70% | 72.97% | 60.73% | -835 bps | |
| Non-Interest Burden | 3.13% | 3.41% | 3.09% | 2.95% | 2.74% | 3.42% | 3.03% | 3.07% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 6.76% | 5.35% | 7.33% | 8.61% | 8.31% | 7.25% | 6.87% | -47 bps | |
| Loan Growth (YoY) | 10.23% | 7.60% | 5.19% | 6.33% | 8.66% | 7.76% | 8.16% | 7.13% | +80 bps | |
| Deposit Growth (YoY) | 15.08% | 16.70% | 6.22% | 5.38% | 3.46% | 5.31% | 5.91% | 8.03% | +265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.21% | 2.54% | 1.93% | 2.05% | 2.00% | 1.91% | 2.06% | +13 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.28% | -2.07% | 0.01% | -0.07% | 0.02% | 0.00% | -0.08% | -8 bps | |
| Allowance / Loans | 1.45% | 1.39% | 1.38% | 1.32% | 1.24% | 1.23% | 1.21% | 1.23% | -9 bps | |
| Allowance Coverage of NPLs | 16.2x | 6.7x | 0.5x | 0.7x | 0.6x | 0.6x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.92% | 14.90% | 14.99% | 15.48% | 15.03% | 15.02% | 15.04% | 15.59% | +11 bps | |
| Total Risk-Based Capital | 21.94% | 22.30% | 22.55% | 22.78% | 21.83% | 22.03% | 22.17% | 23.39% | +61 bps | |
| Equity / Assets | 14.76% | 14.71% | 15.03% | 15.36% | 14.83% | 14.85% | 15.01% | 15.54% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.74% | 106.19% | 107.55% | 106.20% | 112.10% | 108.66% | 109.83% | 105.32% | -88 bps | |
| Liquid Assets / Assets | 9.27% | 9.48% | 9.58% | 9.66% | 9.54% | 9.89% | 9.39% | 9.89% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 248% | 239% | 240% | n/a | n/a | |