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 | |