Lafollette, TN · Cert 4945
State charter, non-member · FDIC · 3 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
54
Profitability
95
Liquidity
0
Efficiency
96
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.
Lafollette, TN · Cert 4945
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.7% share · #21 of 42 inst. · $0.2B of $26.6B
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 | 2.00% | 2.00% | 2.39% | 2.41% | 2.33% | 2.26% | 2.63% | 2.61% | +19 bps | |
| Return on Equity | 19.03% | 18.92% | 22.11% | 22.00% | 20.96% | 20.26% | 22.84% | 22.36% | +36 bps | |
| Net Interest Margin | 4.80% | 4.78% | 5.13% | 5.11% | 5.30% | 5.36% | 5.22% | 5.28% | +17 bps | |
| Efficiency Ratio | 49.69% | 50.15% | 42.71% | 42.68% | 45.95% | 48.40% | 38.31% | 39.91% | -277 bps | |
| Non-Interest Burden | 2.26% | 2.28% | 2.05% | 2.04% | 2.31% | 2.47% | 1.86% | 1.95% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 3.73% | 7.45% | 4.91% | 5.39% | 2.56% | 0.89% | 2.98% | -192 bps | |
| Loan Growth (YoY) | 1.34% | 1.34% | 2.76% | 5.79% | 8.42% | 9.83% | 6.93% | 9.00% | +322 bps | |
| Deposit Growth (YoY) | -0.24% | 4.32% | 8.67% | 8.12% | 9.06% | 2.01% | 0.37% | 1.37% | -675 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.94% | 0.47% | 0.61% | 0.70% | 0.53% | 0.80% | 0.85% | +23 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.10% | 1.09% | 1.05% | 1.02% | 1.03% | 1.00% | -9 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.2x | 2.3x | 1.8x | 1.5x | 1.9x | 1.3x | 1.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.86% | 11.88% | 11.88% | 11.96% | 12.16% | 12.06% | 12.15% | 12.43% | +47 bps | |
| Total Risk-Based Capital | 18.63% | 16.68% | 18.67% | 17.33% | 19.06% | 16.67% | 18.96% | 17.64% | +31 bps | |
| Equity / Assets | 11.12% | 10.83% | 10.76% | 11.33% | 11.51% | 11.45% | 11.60% | 11.92% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.10% | 98.14% | 96.00% | 97.85% | 100.50% | 105.67% | 102.28% | 105.22% | +737 bps | |
| Liquid Assets / Assets | 4.41% | 8.16% | 6.70% | 7.88% | 4.50% | 2.01% | 5.37% | 5.56% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 391% | 392% | 362% | n/a | n/a | |
Lafollette, TN · Cert 4945 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
2.59%
Rank 49 of 629
Net Interest Margin
5.28%
Rank 15 of 629
Efficiency Ratio
39.91%
Rank 26 of 629
Equity / Assets
11.92%
Rank 232 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.59% | 0.60% | 1.01% | 1.45% | Beats 92% | 49 / 629 | ||
| Return on Equity | 21.70% | 5.38% | 9.30% | 13.28% | Beats 95% | 33 / 629 | ||
| Net Interest Margin | 5.28% | 3.03% | 3.54% | 4.05% | Beats 98% | 15 / 629 | ||
| Efficiency Ratio | 39.91% | 58.35% | 67.79% | 79.08% | Beats 96% | 26 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.09% | 0.46% | 1.20% | Beats 35% | 381 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 168 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.49% | 11.24% | 13.84% | 18.77% | Beats 67% | 205 / 629 | ||
| Total Risk-Based Capital Ratio | 17.64% | 11.58% | 14.43% | 19.66% | Beats 69% | 192 / 629 | ||
| Equity / Assets | 11.92% | 9.09% | 10.65% | 13.80% | Beats 63% | 232 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.22% | 67.24% | 80.90% | 93.48% | 92nd pctl | 48 / 594 | ||
| Loans / Assets | 86.38% | 53.31% | 67.71% | 78.15% | 95th pctl | 32 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||