Mount Juliet, TN · Cert 34847 · SB Financial Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.4% share · #32 of 62 inst. · $0.4B of $107.8B
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 | 0.43% | 0.30% | 0.59% | 0.77% | 0.93% | 0.85% | 1.80% | 0.78% | +1 bps | |
| Return on Equity | 4.59% | 3.21% | 6.54% | 8.43% | 10.05% | 8.89% | 18.45% | 8.26% | -17 bps | |
| Net Interest Margin | 2.91% | 3.20% | 3.32% | 3.64% | 3.83% | 3.87% | 3.87% | 3.78% | +14 bps | |
| Efficiency Ratio | 82.10% | 76.81% | 74.97% | 70.81% | 68.38% | 69.60% | 71.16% | 69.49% | -132 bps | |
| Non-Interest Burden | 2.34% | 2.36% | 2.42% | 2.49% | 2.50% | 2.59% | 2.65% | 2.51% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.06% | 11.83% | 10.64% | 10.09% | 12.13% | 6.16% | 4.47% | 12.62% | +253 bps | |
| Loan Growth (YoY) | 9.81% | 14.42% | 25.85% | 26.90% | 22.48% | 16.86% | 7.69% | 7.99% | -1,891 bps | |
| Deposit Growth (YoY) | 8.79% | 12.54% | 14.26% | 13.96% | 12.07% | 7.51% | 4.80% | 13.52% | -44 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | 0.09% | 0.07% | 0.05% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.04% | 0.07% | 0.13% | 0.21% | 0.34% | +29 bps | |
| Allowance / Loans | 0.89% | 0.90% | 0.86% | 0.87% | 0.87% | 0.92% | 0.88% | 0.88% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 434.3x | 73.8x | 21.1x | 10.4x | 12.6x | 19.0x | -54.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 9.02% | 9.05% | 9.02% | 9.20% | 9.38% | 9.49% | 9.01% | -1 bps | |
| Total Risk-Based Capital | 12.82% | 12.43% | 11.90% | 12.53% | 12.53% | 13.05% | 12.81% | 9.01% | -352 bps | |
| Equity / Assets | 9.44% | 9.11% | 9.07% | 9.17% | 9.38% | 9.69% | 9.82% | 9.13% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.76% | 82.27% | 86.87% | 88.32% | 89.35% | 89.43% | 89.27% | 84.02% | -430 bps | |
| Liquid Assets / Assets | 10.35% | 11.30% | 8.36% | 8.79% | 7.24% | 6.68% | 6.52% | 6.91% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 415% | 387% | 380% | n/a | n/a | |