Oak Ridge, TN · Cert 34023 · Tennessee Valley Finl Holdings
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 1.0% share · #16 of 42 inst. · $0.3B of $26.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 1.01% | 1.11% | 0.97% | 1.35% | 0.90% | 0.66% | 0.77% | -20 bps | |
| Return on Equity | 8.94% | 12.33% | 13.61% | 11.62% | 15.89% | 10.42% | 7.70% | 9.05% | -257 bps | |
| Net Interest Margin | 3.64% | 3.65% | 3.69% | 3.84% | 4.17% | 3.95% | 3.62% | 3.91% | +7 bps | |
| Efficiency Ratio | 65.39% | 63.89% | 66.87% | 65.14% | 68.21% | 69.01% | 73.22% | 70.27% | +512 bps | |
| Non-Interest Burden | 2.33% | 2.28% | 2.36% | 2.40% | 2.78% | 2.65% | 2.59% | 2.68% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | -3.34% | -2.25% | -5.68% | 0.55% | 4.58% | 4.54% | 11.44% | +1,712 bps | |
| Loan Growth (YoY) | 0.86% | -1.20% | 2.98% | 5.69% | 4.09% | 4.83% | 3.07% | 9.09% | +340 bps | |
| Deposit Growth (YoY) | 3.09% | -3.67% | -3.48% | -7.09% | -0.63% | 3.48% | 5.44% | 11.67% | +1,876 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 1.73% | 1.45% | 1.54% | 1.42% | 1.41% | 1.18% | 1.34% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.07% | 0.00% | 0.00% | -0.46% | -0.02% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.18% | 1.19% | 1.13% | 1.18% | 1.15% | 1.13% | 1.18% | 1.16% | -3 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.7x | 0.8x | 0.8x | 0.8x | 0.8x | 1.0x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 10.26% | 10.49% | 10.75% | 10.97% | 10.99% | 10.64% | 10.61% | -14 bps | |
| Total Risk-Based Capital | 13.28% | 13.18% | 13.15% | 13.80% | 13.59% | 13.88% | 14.10% | 13.35% | -44 bps | |
| Equity / Assets | 8.12% | 8.22% | 8.13% | 8.53% | 8.46% | 8.84% | 8.44% | 8.61% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.39% | 85.85% | 84.46% | 86.85% | 84.20% | 86.97% | 82.57% | 84.84% | -201 bps | |
| Liquid Assets / Assets | 1.07% | 1.02% | 1.07% | 1.12% | 2.57% | 3.96% | 4.08% | 3.01% | +189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 355% | 345% | 329% | n/a | n/a | |