Memphis, TN · Cert 31840 · Financial Fedcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.9% share · #11 of 48 inst. · $0.9B of $46.3B
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 | 0.36% | 0.26% | 0.61% | 0.64% | 0.69% | 0.61% | 0.87% | 0.85% | +21 bps | |
| Return on Equity | 3.56% | 2.66% | 6.24% | 6.56% | 7.08% | 6.30% | 8.90% | 8.65% | +208 bps | |
| Net Interest Margin | 1.59% | 1.63% | 2.00% | 2.06% | 2.14% | 2.19% | 2.54% | 2.58% | +52 bps | |
| Efficiency Ratio | 75.30% | 82.32% | 63.22% | 61.52% | 58.65% | 62.92% | 55.14% | 55.51% | -601 bps | |
| Non-Interest Burden | 1.15% | 1.31% | 1.18% | 1.19% | 1.18% | 1.30% | 1.28% | 1.36% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.03% | 8.59% | 7.92% | 6.67% | 3.77% | 3.19% | 4.19% | 3.47% | -320 bps | |
| Loan Growth (YoY) | 11.11% | 8.49% | 7.50% | 5.84% | 2.63% | 2.94% | 3.27% | 3.75% | -209 bps | |
| Deposit Growth (YoY) | 12.84% | 7.54% | 7.47% | 9.76% | 5.93% | 9.71% | 5.48% | 8.67% | -109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.05% | 0.49% | 0.52% | 0.23% | 0.06% | 0.05% | -44 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.19% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 0.78% | 0.78% | 0.78% | 0.81% | 0.86% | 0.72% | 0.74% | 0.76% | -5 bps | |
| Allowance Coverage of NPLs | 35.3x | 8.2x | 15.7x | 1.7x | 1.6x | 3.1x | 12.4x | 14.1x | +12.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.96% | 9.68% | 9.82% | 9.83% | 9.89% | 9.73% | 9.94% | 9.92% | +10 bps | |
| Total Risk-Based Capital | 9.96% | 9.68% | 9.82% | 9.83% | 9.89% | 9.73% | 9.94% | 9.92% | +10 bps | |
| Equity / Assets | 9.78% | 9.68% | 9.74% | 9.75% | 9.80% | 9.76% | 9.79% | 9.81% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 128.62% | 128.36% | 127.52% | 128.72% | 124.63% | 120.43% | 124.86% | 122.89% | -582 bps | |
| Liquid Assets / Assets | 2.30% | 2.53% | 2.12% | 2.76% | 3.23% | 2.98% | 3.02% | 2.67% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 480% | 476% | 478% | n/a | n/a | |