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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.10% | 0.86% | 1.02% | 0.92% | 1.09% | -0.21% | -107 bps | |
| Return on Equity | 14.59% | 9.32% | 10.43% | 7.96% | 9.57% | 9.17% | 11.03% | -2.04% | -1,000 bps | |
| Net Interest Margin | 3.91% | 3.70% | 3.83% | 3.81% | 3.83% | 3.53% | 3.88% | 3.87% | +6 bps | |
| Efficiency Ratio | 61.55% | 67.61% | 67.11% | 68.22% | 70.85% | 69.36% | 63.96% | 116.54% | +4,832 bps | |
| Non-Interest Burden | 2.26% | 2.34% | 2.40% | 2.46% | 2.57% | 2.30% | 2.32% | 4.60% | +214 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% | 0.79% | 0.23% | 0.01% | -0.03% | -3 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 |