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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.41% | 2.33% | 2.26% | 2.63% | 2.61% | +19 bps | |
| Return on Equity | 22.00% | 20.96% | 20.26% | 22.84% | 22.36% | +36 bps | |
| Net Interest Margin | 5.11% | 5.30% | 5.36% | 5.22% | 5.28% | +17 bps | |
| Efficiency Ratio | 42.68% | 45.95% | 48.40% | 38.31% | 39.91% | -277 bps | |
| Non-Interest Burden | 2.04% | 2.31% | 2.47% | 1.86% | 1.95% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.91% | 5.39% | 2.56% | 0.89% | 2.98% | -192 bps | |
| Loan Growth (YoY) | 5.79% | 8.42% | 9.83% | 6.93% | 9.00% | +322 bps | |
| Deposit Growth (YoY) | 8.12% | 9.06% | 2.01% | 0.37% | 1.37% | -675 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.70% | 0.53% | 0.80% | 0.85% | +23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.05% | 1.02% | 1.03% | 1.00% | -9 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.5x | 1.9x | 1.3x | 1.2x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.96% | 12.16% | 12.06% | 12.15% | 12.43% | +47 bps | |
| Total Risk-Based Capital | 17.33% | 19.06% | 16.67% | 18.96% | 17.64% | +31 bps | |
| Equity / Assets | 11.33% | 11.51% | 11.45% | 11.60% | 11.92% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.85% | 100.50% | 105.67% | 102.28% | 105.22% | +737 bps | |
| Liquid Assets / Assets | 7.88% | 4.50% | 2.01% | 5.37% | 5.56% | -232 bps | |
| CRE / Total Capital | n/a | 391% | 392% | 362% | n/a | n/a | |