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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.98% | 0.92% | 1.01% | 0.60% | -36 bps | |
| Return on Equity | 9.21% | 9.41% | 9.17% | 10.11% | 5.99% | -322 bps | |
| Net Interest Margin | 3.80% | 3.89% | 3.53% | 3.67% | 3.74% | -7 bps | |
| Efficiency Ratio | 67.64% | 68.43% | 69.36% | 66.53% | 83.89% | +1,625 bps | |
| Non-Interest Burden | 2.41% | 2.50% | 2.30% | 2.29% | 3.06% | +64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.38% | -6.43% | 2.32% | 3.54% | 0.82% | +421 bps | |
| Loan Growth (YoY) | -1.66% | -5.53% | -3.43% | -4.51% | -2.98% | -131 bps | |
| Deposit Growth (YoY) | -4.81% | -7.43% | 2.98% | 4.57% | 1.86% | +668 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.22% | 0.07% | 0.07% | 0.91% | +84 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.19% | 0.23% | 0.12% | 0.07% | +8 bps | |
| Allowance / Loans | 1.37% | 1.20% | 1.19% | 1.19% | 1.18% | -19 bps | |
| Allowance Coverage of NPLs | 19.4x | 5.4x | 16.9x | 17.8x | 1.3x | -18.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.62% | 10.68% | 10.70% | 10.77% | 10.71% | -91 bps | |
| Total Risk-Based Capital | 11.62% | 10.68% | 10.70% | 10.77% | 10.71% | -91 bps | |
| Equity / Assets | 11.10% | 10.22% | 9.89% | 9.94% | 10.32% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.35% | 84.09% | 75.89% | 75.07% | 78.43% | -392 bps | |
| Liquid Assets / Assets | 14.91% | 13.11% | 19.95% | 20.49% | 17.75% | +283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | n/a | n/a |