Rogersville, TN · Cert 33794
FDIC · 4 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=535 to 585). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
19
Profitability
39
Liquidity
99
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rogersville, TN · Cert 33794
FDIC · 4 branches
Q3 2025
Market Position · Kingsport-Bristol, TN-VA · 2025 SOD (annual) · 3.3% share · #10 of 26 inst. · $0.2B of $5.6B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 0.95% | 1.02% | 0.97% | 0.98% | 0.92% | 1.01% | 0.60% | -36 bps | |
| Return on Equity | 14.87% | 9.32% | 9.88% | 9.21% | 9.41% | 9.17% | 10.11% | 5.99% | -322 bps | |
| Net Interest Margin | 4.02% | 3.70% | 3.82% | 3.80% | 3.89% | 3.53% | 3.67% | 3.74% | -7 bps | |
| Efficiency Ratio | 59.13% | 67.61% | 67.36% | 67.64% | 68.43% | 69.36% | 66.53% | 83.89% | +1,625 bps | |
| Non-Interest Burden | 2.13% | 2.34% | 2.41% | 2.41% | 2.50% | 2.30% | 2.29% | 3.06% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | -10.53% | -4.60% | -3.38% | -6.43% | 2.32% | 3.54% | 0.82% | +421 bps | |
| Loan Growth (YoY) | 3.04% | -1.68% | -0.34% | -1.66% | -5.53% | -3.43% | -4.51% | -2.98% | -131 bps | |
| Deposit Growth (YoY) | 0.29% | -12.72% | -6.22% | -4.81% | -7.43% | 2.98% | 4.57% | 1.86% | +668 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.11% | 0.07% | 0.22% | 0.07% | 0.07% | 0.91% | +84 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | 0.19% | 0.23% | 0.12% | 0.07% | +8 bps | |
| Allowance / Loans | 1.23% | 1.30% | 1.26% | 1.37% | 1.20% | 1.19% | 1.19% | 1.18% | -19 bps | |
| Allowance Coverage of NPLs | 10.3x | 10.8x | 11.1x | 19.4x | 5.4x | 16.9x | 17.8x | 1.3x | -18.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 10.88% | 11.47% | 11.62% | 10.68% | 10.70% | 10.77% | 10.71% | -91 bps | |
| Total Risk-Based Capital | 10.61% | 10.88% | 11.47% | 11.62% | 10.68% | 10.70% | 10.77% | 10.71% | -91 bps | |
| Equity / Assets | 9.98% | 10.45% | 10.57% | 11.10% | 10.22% | 9.89% | 9.94% | 10.32% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.39% | 80.94% | 82.21% | 82.35% | 84.09% | 75.89% | 75.07% | 78.43% | -392 bps | |
| Liquid Assets / Assets | 12.93% | 15.27% | 14.15% | 14.91% | 13.11% | 19.95% | 20.49% | 17.75% | +283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 226% | n/a | n/a |
Rogersville, TN · Cert 33794 · Peer group: banks under $1B in assets (n=535-585)
FDIC · 4 branches
Q3 2025
Return on Assets
0.60%
Rank 438 of 585
Net Interest Margin
3.74%
Rank 194 of 584
Efficiency Ratio
83.89%
Rank 479 of 584
Equity / Assets
10.32%
Rank 303 of 584
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.60% | 0.98% | 1.45% | Beats 25% | 438 / 585 | ||
| Return on Equity | 5.86% | 5.86% | 9.54% | 12.76% | Beats 25% | 438 / 584 | ||
| Net Interest Margin | 3.74% | 2.90% | 3.43% | 3.93% | Beats 67% | 194 / 584 | ||
| Efficiency Ratio | 83.89% | 57.87% | 67.56% | 78.72% | Beats 18% | 479 / 584 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.06% | 0.38% | 1.05% | Beats 28% | 387 / 535 | ||
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.02% | 0.10% | Beats 9% | 489 / 535 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.71% | 11.47% | 13.94% | 18.44% | Beats 16% | 488 / 584 | ||
| Total Risk-Based Capital Ratio | 10.71% | 11.93% | 14.43% | 19.34% | Beats 14% | 504 / 584 | ||
| Equity / Assets | 10.32% | 8.74% | 10.51% | 13.41% | Beats 48% | 303 / 584 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.43% | 63.70% | 78.89% | 91.92% | 49th pctl | 278 / 546 | ||
| Loans / Assets | 67.15% | 55.77% | 68.46% | 77.90% | 47th pctl | 286 / 535 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 316 / 546 | n/a | |