Greeneville, TN · Cert 31198
State savings bank · OCC · 3 branches
Q2 2026
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 | 0.81% | 0.82% | 2.03% | 1.55% | 1.46% | 1.31% | 0.87% | 1.24% | -31 bps | |
| Return on Equity | 5.47% | 5.52% | 13.67% | 10.29% | 9.77% | 8.76% | 5.85% | 8.18% | -211 bps | |
| Net Interest Margin | 3.89% | 3.88% | 4.10% | 4.29% | 4.20% | 4.18% | 4.23% | 4.74% | +45 bps | |
| Efficiency Ratio | 74.90% | 77.67% | 76.99% | 72.91% | 69.88% | 72.65% | 72.97% | 66.29% | -662 bps | |
| Non-Interest Burden | 2.80% | 2.92% | 3.09% | 3.05% | 2.84% | 2.96% | 3.03% | 3.06% | +2 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% | -0.08% | -2.07% | -1.04% | -0.67% | -0.50% | 0.00% | -0.04% | +100 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 | |