Nashville, TN · Cert 35521 · Inscorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.8% share · #19 of 62 inst. · $0.9B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.14% | -0.47% | 0.89% | 0.98% | -11 bps | |
| Return on Equity | 10.15% | 10.51% | -4.55% | 9.07% | 9.98% | -17 bps | |
| Net Interest Margin | 3.24% | 3.25% | 3.17% | 3.29% | 3.17% | -7 bps | |
| Efficiency Ratio | 55.51% | 59.59% | 67.17% | 61.31% | 60.04% | +453 bps | |
| Non-Interest Burden | 1.69% | 1.87% | 2.17% | 2.07% | 1.85% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.54% | 10.73% | 16.28% | 15.29% | 14.01% | +47 bps | |
| Loan Growth (YoY) | 16.57% | 15.10% | 12.95% | 14.21% | 14.55% | -202 bps | |
| Deposit Growth (YoY) | 17.68% | 15.76% | 19.58% | 17.47% | 13.22% | -446 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.65% | 0.84% | 0.60% | 0.25% | 0.24% | -41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 2.27% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.34% | 1.25% | 1.25% | 1.25% | -7 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 2.1x | 5.0x | 5.2x | +3.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.28% | 11.08% | 10.66% | 10.06% | 10.20% | -108 bps | |
| Total Risk-Based Capital | 13.26% | 13.30% | 12.14% | 12.20% | 12.19% | -107 bps | |
| Equity / Assets | 10.83% | 10.89% | 9.81% | 9.72% | 9.95% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.74% | 97.15% | 96.23% | 96.89% | 100.91% | +117 bps | |
| Liquid Assets / Assets | 5.01% | 2.70% | 5.55% | 2.12% | 1.64% | -338 bps | |
| CRE / Total Capital | n/a | 399% | 448% | 436% | n/a | n/a | |