Jackson, TN · Cert 34457
FDIC · 3 branches
Q4 2025
Market Position · Jackson, TN · 2025 SOD (annual) · 3.9% share · #8 of 24 inst. · $0.2B of $4.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.15% | 0.16% | 0.20% | 0.39% | 0.46% | 0.42% | -0.50% | -70 bps | |
| Return on Equity | 2.11% | 1.92% | 1.91% | 2.40% | 4.61% | 5.29% | 4.41% | -5.30% | -770 bps | |
| Net Interest Margin | 1.76% | 1.71% | 1.76% | 1.81% | 1.97% | 2.15% | 2.30% | 2.13% | +32 bps | |
| Efficiency Ratio | 87.08% | 89.22% | 88.50% | 86.38% | 78.96% | 77.88% | 77.53% | 132.00% | +4,562 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.54% | 1.55% | 1.53% | 1.65% | 1.75% | 2.84% | +129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.07% | -6.01% | -2.39% | -2.12% | -2.49% | -3.87% | -9.09% | 1.81% | +393 bps | |
| Loan Growth (YoY) | 5.83% | 5.34% | 0.73% | -2.69% | -0.91% | 2.75% | 5.45% | -14.19% | -1,150 bps | |
| Deposit Growth (YoY) | -6.02% | -5.90% | -4.17% | -2.36% | -2.16% | -4.22% | -4.14% | 7.10% | +946 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.59% | 0.21% | 0.09% | 0.08% | 0.27% | 0.26% | 0.20% | +12 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.40% | 0.01% | 0.02% | 0.00% | 0.42% | +2 bps | |
| Allowance / Loans | 1.77% | 1.78% | 1.84% | 1.69% | 1.68% | 1.62% | 1.64% | 1.24% | -45 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.0x | 8.9x | 19.7x | 21.7x | 5.9x | 6.3x | 6.1x | -13.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.92% | 10.06% | 9.89% | 10.05% | 10.47% | 10.91% | 10.53% | +64 bps | |
| Total Risk-Based Capital | 15.59% | 16.10% | 16.61% | 16.61% | 18.08% | 18.30% | 19.64% | 19.11% | +251 bps | |
| Equity / Assets | 7.90% | 8.01% | 8.84% | 8.09% | 8.65% | 8.93% | 10.01% | 8.80% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.26% | 33.53% | 32.60% | 32.59% | 33.68% | 35.98% | 35.86% | 26.11% | -648 bps | |
| Liquid Assets / Assets | 4.08% | 7.97% | 4.35% | 8.50% | 13.23% | 16.91% | 16.03% | 24.63% | +1,613 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 160.34% | 130.44% | n/a | |