Oneida, TN · Cert 4958
National charter · OCC · 4 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
62
Asset Quality
43
Profitability
84
Liquidity
69
Efficiency
83
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.
Oneida, TN · Cert 4958
National charter · OCC · 4 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.1% share · #41 of 42 inst. · $0.0B 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 | 1.46% | 1.40% | 1.70% | 1.66% | 1.64% | 1.49% | 1.67% | 1.68% | +2 bps | |
| Return on Equity | 17.67% | 16.96% | 20.14% | 19.45% | 18.75% | 16.68% | 17.93% | 17.89% | -156 bps | |
| Net Interest Margin | 3.71% | 3.68% | 3.93% | 3.95% | 3.99% | 4.03% | 4.13% | 4.20% | +25 bps | |
| Efficiency Ratio | 58.00% | 60.08% | 53.69% | 55.72% | 54.92% | 55.77% | 53.83% | 53.66% | -206 bps | |
| Non-Interest Burden | 1.86% | 1.89% | 1.82% | 1.92% | 1.91% | 1.96% | 1.92% | 1.96% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 4.86% | 5.41% | 7.68% | 8.18% | 9.14% | 8.07% | 7.36% | -32 bps | |
| Loan Growth (YoY) | 8.48% | 4.95% | 6.48% | 9.10% | 7.72% | 6.97% | 11.10% | 9.43% | +33 bps | |
| Deposit Growth (YoY) | 0.73% | 4.44% | 4.57% | 7.01% | 7.89% | 7.98% | 7.46% | 6.44% | -57 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.27% | 0.52% | 0.30% | 0.74% | 0.86% | 0.18% | 0.27% | -3 bps | |
| Net Charge-Offs / Loans | -0.19% | -0.23% | 0.09% | 0.11% | 0.15% | 0.12% | -0.01% | 0.01% | -11 bps | |
| Allowance / Loans | 2.72% | 2.77% | 2.74% | 2.60% | 2.54% | 2.74% | 2.69% | 2.69% | +9 bps | |
| Allowance Coverage of NPLs | 14.7x | 10.3x | 5.3x | 8.6x | 3.4x | 3.2x | 14.9x | 9.9x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.19% | 11.13% | 10.87% | 10.85% | 10.92% | 10.98% | 10.79% | 10.98% | +13 bps | |
| Total Risk-Based Capital | 19.53% | 19.56% | 19.76% | 19.82% | 19.78% | 19.88% | 19.86% | 19.96% | +14 bps | |
| Equity / Assets | 9.05% | 8.35% | 8.49% | 8.76% | 9.42% | 9.49% | 9.12% | 9.61% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.48% | 68.86% | 66.39% | 68.87% | 69.37% | 68.22% | 68.64% | 70.81% | +193 bps | |
| Liquid Assets / Assets | 3.40% | 4.56% | 5.91% | 2.94% | 3.66% | 7.06% | 8.29% | 5.99% | +305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 224% | 231% | n/a | n/a | |
Oneida, TN · Cert 4958 · Peer group: banks under $1B in assets (n=581-629)
National charter · OCC · 4 branches
Q2 2026
Return on Assets
1.67%
Rank 119 of 629
Net Interest Margin
4.20%
Rank 117 of 629
Efficiency Ratio
53.66%
Rank 109 of 629
Equity / Assets
9.61%
Rank 414 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.60% | 1.01% | 1.45% | Beats 81% | 119 / 629 | ||
| Return on Equity | 17.35% | 5.38% | 9.30% | 13.28% | Beats 89% | 67 / 629 | ||
| Net Interest Margin | 4.20% | 3.03% | 3.54% | 4.05% | Beats 81% | 117 / 629 | ||
| Efficiency Ratio | 53.66% | 58.35% | 67.79% | 79.08% | Beats 83% | 109 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.46% | 1.20% | Beats 59% | 241 / 581 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 434 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.69% | 11.24% | 13.84% | 18.77% | Beats 75% | 160 / 629 | ||
| Total Risk-Based Capital Ratio | 19.96% | 11.58% | 14.43% | 19.66% | Beats 76% | 154 / 629 | ||
| Equity / Assets | 9.61% | 9.09% | 10.65% | 13.80% | Beats 34% | 414 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.81% | 67.24% | 80.90% | 93.48% | 32nd pctl | 404 / 594 | ||
| Loans / Assets | 63.14% | 53.31% | 67.71% | 78.15% | 41st pctl | 368 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||