Madisonville, TN · Cert 31694
SI · FDIC · 6 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.80% | 0.82% | 0.89% | 0.92% | +23 bps | |
| Return on Equity | 7.16% | 8.17% | 8.34% | 8.83% | 9.08% | +192 bps | |
| Net Interest Margin | 2.78% | 2.81% | 2.85% | 3.06% | 3.05% | +27 bps | |
| Efficiency Ratio | 72.51% | 70.25% | 70.71% | 69.22% | 69.96% | -255 bps | |
| Non-Interest Burden | 1.84% | 1.76% | 1.81% | 1.93% | 1.95% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.00% | 6.56% | 8.47% | 9.04% | 6.24% | -176 bps | |
| Loan Growth (YoY) | 10.17% | 9.79% | 9.65% | 8.00% | 6.45% | -371 bps | |
| Deposit Growth (YoY) | 8.98% | 6.51% | 7.86% | 8.76% | 5.64% | -334 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.36% | 0.35% | 0.35% | 0.34% | +6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 0.54% | 0.57% | 0.51% | 0.51% | 0.46% | -7 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.6x | 1.5x | 1.5x | 1.3x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.18% | 11.22% | 11.26% | 11.22% | 11.23% | +6 bps | |
| Total Risk-Based Capital | 21.84% | 22.34% | 22.95% | 22.80% | 23.17% | +133 bps | |
| Equity / Assets | 9.66% | 10.18% | 10.18% | 9.99% | 10.29% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.36% | 72.44% | 71.90% | 71.05% | 71.91% | +55 bps | |
| Liquid Assets / Assets | 11.40% | 10.43% | 11.56% | 12.23% | 10.52% | -87 bps | |
| CRE / Total Capital | n/a | 83.61% | 82.11% | 84.34% | n/a | n/a | |