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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.24% | 1.70% | 1.62% | 1.61% | 1.02% | 1.67% | 1.69% | +7 bps | |
| Return on Equity | 16.51% | 14.20% | 20.14% | 18.76% | 17.72% | 10.78% | 17.93% | 18.05% | -71 bps | |
| Net Interest Margin | 3.82% | 3.85% | 3.93% | 4.08% | 4.15% | 4.22% | 4.13% | 4.32% | +24 bps | |
| Efficiency Ratio | 59.79% | 65.37% | 53.69% | 57.63% | 53.39% | 58.14% | 53.83% | 53.51% | -412 bps | |
| Non-Interest Burden | 2.01% | 2.11% | 1.82% | 2.08% | 1.92% | 2.14% | 1.92% | 2.01% | -7 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 | 0.15% | -0.37% | 0.09% | 0.15% | 0.21% | 0.04% | -0.01% | 0.02% | -12 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 | |