Madisonville, TN · Cert 34517 · Peoples Bancshares of TN Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Cleveland, TN · 2026 SOD (annual) · 1.5% share · #11 of 14 inst. · $0.1B of $3.5B
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.42% | 1.29% | 1.36% | 1.40% | 1.42% | 1.43% | 1.53% | +16 bps | |
| Return on Equity | 15.74% | 15.07% | 14.28% | 15.11% | 15.30% | 15.32% | 14.91% | 15.73% | +62 bps | |
| Net Interest Margin | 4.42% | 4.29% | 4.48% | 4.47% | 4.51% | 4.57% | 4.66% | 4.72% | +25 bps | |
| Efficiency Ratio | 63.78% | 64.41% | 65.83% | 64.11% | 63.38% | 62.55% | 64.69% | 63.35% | -76 bps | |
| Non-Interest Burden | 2.59% | 2.55% | 2.77% | 2.66% | 2.64% | 2.63% | 2.82% | 2.75% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.23% | 15.04% | 11.76% | 12.19% | 7.39% | 6.30% | 6.48% | 5.40% | -679 bps | |
| Loan Growth (YoY) | 13.06% | 12.54% | 13.28% | 16.64% | 15.39% | 16.66% | 18.23% | 15.72% | -92 bps | |
| Deposit Growth (YoY) | 11.05% | 15.67% | 11.96% | 12.53% | 7.36% | 5.55% | 5.80% | 4.20% | -833 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.27% | 0.35% | 0.29% | 0.24% | 0.39% | 0.27% | 0.37% | +8 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.06% | 0.04% | 0.03% | 0.03% | 0.08% | 0.05% | +1 bps | |
| Allowance / Loans | 1.32% | 1.35% | 1.36% | 1.35% | 1.40% | 1.43% | 1.41% | 1.38% | +3 bps | |
| Allowance Coverage of NPLs | 4.0x | 5.1x | 3.9x | 4.7x | 5.9x | 3.6x | 5.2x | 3.7x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.36% | 10.95% | 10.84% | 10.64% | 10.83% | 10.83% | 10.88% | 10.90% | +26 bps | |
| Total Risk-Based Capital | 11.36% | 10.95% | 10.84% | 10.64% | 10.83% | 10.83% | 10.88% | 10.90% | +26 bps | |
| Equity / Assets | 9.73% | 9.18% | 8.93% | 8.96% | 9.65% | 9.75% | 9.44% | 9.92% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.85% | 67.91% | 66.08% | 69.33% | 71.85% | 75.06% | 73.84% | 77.00% | +767 bps | |
| Liquid Assets / Assets | 8.29% | 8.13% | 10.33% | 7.16% | 6.50% | 4.63% | 7.38% | 5.47% | -169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 265% | 275% | 270% | n/a | n/a | |