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 (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 | 1.07% | 1.07% | 0.91% | 1.00% | 1.05% | 0.65% | 0.89% | 0.94% | -7 bps | |
| Return on Equity | 9.47% | 9.50% | 8.40% | 9.28% | 9.69% | 6.09% | 9.07% | 9.52% | +25 bps | |
| Net Interest Margin | 2.93% | 2.88% | 3.01% | 3.08% | 3.07% | 3.05% | 3.29% | 3.21% | +13 bps | |
| Efficiency Ratio | 54.21% | 54.67% | 60.30% | 57.77% | 58.41% | 60.51% | 61.31% | 60.66% | +288 bps | |
| Non-Interest Burden | 1.50% | 1.49% | 1.73% | 1.69% | 1.71% | 1.80% | 2.07% | 1.95% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.15% | 8.30% | 13.31% | 13.54% | 10.73% | 16.28% | 15.29% | 14.01% | +47 bps | |
| Loan Growth (YoY) | 4.34% | 12.21% | 15.76% | 16.57% | 15.10% | 12.95% | 14.21% | 14.55% | -202 bps | |
| Deposit Growth (YoY) | 9.30% | 9.40% | 17.13% | 17.68% | 15.76% | 19.58% | 17.47% | 13.22% | -446 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 0.70% | 0.66% | 0.65% | 0.84% | 0.60% | 0.25% | 0.24% | -41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.57% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.29% | 1.30% | 1.32% | 1.34% | 1.25% | 1.25% | 1.25% | -7 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.9x | 2.0x | 2.0x | 1.6x | 2.1x | 5.0x | 5.2x | +3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.78% | 11.53% | 11.33% | 11.28% | 11.08% | 10.66% | 10.06% | 10.20% | -108 bps | |
| Total Risk-Based Capital | 13.94% | 13.11% | 13.18% | 13.26% | 13.30% | 12.14% | 12.20% | 12.19% | -107 bps | |
| Equity / Assets | 11.25% | 10.92% | 10.70% | 10.83% | 10.89% | 9.81% | 9.72% | 9.95% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.71% | 101.88% | 99.66% | 99.74% | 97.15% | 96.23% | 96.89% | 100.91% | +117 bps | |
| Liquid Assets / Assets | 7.32% | 4.10% | 5.31% | 5.01% | 2.70% | 5.55% | 2.12% | 1.64% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 399% | 448% | 436% | n/a | n/a | |