Tnbank
Oak Ridge, TN · Cert 34023 · Peer group: banks under $1B in assets (n=581-629) · Tennessee Valley Finl Holdings
State charter, non-member · FDIC · 5 branches
Q2 2026
$318.1MAssets
$235.0MLoans
$277.0MDeposits
$27.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 59% of banks under $1B in assets (rank 255 of 629).
- Widest gap: equity / assets trails 81% of banks under $1B in assets (rank 511 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.70%
Rank 442 of 629
Net Interest Margin
3.74%
Rank 255 of 629
Efficiency Ratio
71.68%
Rank 380 of 629
Equity / Assets
8.61%
Rank 511 of 629
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 40% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.60% | 1.01% | 1.45% | Beats 30% | 442 / 629 | | |
| Return on Equity | 8.15% | 5.38% | 9.30% | 13.28% | Beats 41% | 370 / 629 | | |
| Net Interest Margin | 3.74% | 3.03% | 3.54% | 4.05% | Beats 59% | 255 / 629 | | |
| Efficiency Ratio | 71.68% | 58.35% | 67.79% | 79.08% | Beats 40% | 380 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.34% | 0.09% | 0.46% | 1.20% | Beats 22% | 457 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 332 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.31% | 11.24% | 13.84% | 18.77% | Beats 36% | 401 / 629 | | |
| Total Risk-Based Capital Ratio | 13.35% | 11.58% | 14.43% | 19.66% | Beats 41% | 369 / 629 | | |
| Equity / Assets | 8.61% | 9.09% | 10.65% | 13.80% | Beats 19% | 511 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.84% | 67.24% | 80.90% | 93.48% | 57th pctl | 256 / 594 | | |
| Loans / Assets | 73.88% | 53.31% | 67.71% | 78.15% | 63rd pctl | 233 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |