Dickson, TN · Cert 35417 · Tristar Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
28
Profitability
36
Liquidity
90
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dickson, TN · Cert 35417 · Tristar Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.4% share · #28 of 62 inst. · $0.5B of $107.8B
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 | 0.77% | 0.76% | 0.85% | 0.84% | 0.83% | 0.82% | 0.81% | 0.83% | -1 bps | |
| Return on Equity | 10.00% | 9.76% | 10.99% | 10.78% | 10.46% | 10.28% | 9.98% | 10.12% | -65 bps | |
| Net Interest Margin | 3.20% | 3.21% | 3.43% | 3.46% | 3.45% | 3.32% | 3.27% | 3.31% | -15 bps | |
| Efficiency Ratio | 71.62% | 72.15% | 73.51% | 73.47% | 73.74% | 73.33% | 72.78% | 72.55% | -92 bps | |
| Non-Interest Burden | 2.07% | 2.12% | 2.39% | 2.42% | 2.42% | 2.31% | 2.25% | 2.26% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 4.32% | 9.23% | 4.42% | 5.75% | 9.45% | 9.81% | 9.86% | +544 bps | |
| Loan Growth (YoY) | 12.93% | 11.06% | 13.99% | 7.15% | 4.15% | 5.28% | 0.02% | 1.58% | -557 bps | |
| Deposit Growth (YoY) | -1.10% | 0.92% | 3.68% | 1.82% | 10.88% | 13.03% | 14.31% | 10.17% | +835 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.03% | 0.11% | 0.13% | 0.60% | 0.56% | 0.68% | 0.61% | +49 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.19% | 0.11% | 0.16% | 0.15% | 0.18% | 0.00% | 0.20% | +4 bps | |
| Allowance / Loans | 1.03% | 1.00% | 0.96% | 0.94% | 0.94% | 0.87% | 0.91% | 0.86% | -8 bps | |
| Allowance Coverage of NPLs | 3.2x | 35.0x | 8.6x | 7.4x | 1.6x | 1.5x | 1.4x | 1.4x | -6.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.00% | 9.96% | 10.01% | 10.04% | 10.13% | 9.88% | 9.80% | 9.85% | -20 bps | |
| Total Risk-Based Capital | 13.03% | 12.85% | 12.83% | 12.93% | 13.23% | 12.89% | 12.79% | 12.49% | -44 bps | |
| Equity / Assets | 8.03% | 7.76% | 7.80% | 7.83% | 8.16% | 8.37% | 7.96% | 8.32% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.23% | 89.55% | 89.23% | 87.15% | 83.81% | 83.41% | 78.08% | 80.36% | -680 bps | |
| Liquid Assets / Assets | 5.27% | 3.74% | 4.34% | 6.11% | 4.78% | 3.32% | 6.09% | 3.93% | -218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 305% | 314% | 302% | n/a | n/a | |
Dickson, TN · Cert 35417 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Tristar Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.82%
Rank 510 of 746
Net Interest Margin
3.31%
Rank 522 of 746
Efficiency Ratio
72.90%
Rank 523 of 746
Equity / Assets
8.32%
Rank 624 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.72% | 1.06% | 1.45% | Beats 32% | 510 / 746 | ||
| Return on Equity | 9.82% | 6.74% | 10.51% | 13.63% | Beats 45% | 408 / 746 | ||
| Net Interest Margin | 3.31% | 3.17% | 3.68% | 4.16% | Beats 30% | 522 / 746 | ||
| Efficiency Ratio | 72.90% | 55.74% | 64.58% | 75.47% | Beats 30% | 523 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.09% | 0.42% | 1.07% | Beats 42% | 432 / 743 | ||
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 14% | 642 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.79% | 11.55% | 13.75% | 17.60% | Beats 29% | 526 / 746 | ||
| Total Risk-Based Capital Ratio | 12.49% | 11.71% | 14.33% | 18.43% | Beats 32% | 504 / 746 | ||
| Equity / Assets | 8.32% | 8.90% | 10.51% | 13.06% | Beats 16% | 624 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.36% | 61.31% | 78.27% | 90.78% | 54th pctl | 340 / 746 | ||
| Loans / Assets | 66.59% | 53.60% | 66.97% | 76.08% | 48th pctl | 386 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||