Dyersburg, TN · Cert 4972
FDIC · 25 branches
Q4 2025
Market Position · Memphis, TN-MS-AR · 2025 SOD (annual) · 1.4% share · #15 of 47 inst. · $0.6B of $42.0B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.66% | 0.69% | 0.74% | 0.85% | 0.92% | 0.95% | 0.94% | +20 bps | |
| Return on Equity | 8.07% | 8.48% | 8.69% | 9.40% | 10.97% | 11.62% | 11.86% | 11.43% | +203 bps | |
| Net Interest Margin | 2.18% | 2.18% | 2.17% | 2.17% | 2.33% | 2.45% | 2.48% | 2.51% | +34 bps | |
| Efficiency Ratio | 75.74% | 74.89% | 73.81% | 72.33% | 68.49% | 66.40% | 65.11% | 65.72% | -661 bps | |
| Non-Interest Burden | 1.48% | 1.46% | 1.42% | 1.38% | 1.37% | 1.38% | 1.36% | 1.40% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 3.97% | 5.78% | 4.69% | 6.19% | 4.60% | 5.66% | 6.11% | +141 bps | |
| Loan Growth (YoY) | 5.54% | 7.54% | 7.16% | 5.83% | 8.04% | 7.65% | 7.16% | 7.22% | +138 bps | |
| Deposit Growth (YoY) | 1.48% | 3.60% | 3.32% | 5.97% | 5.98% | 4.35% | 6.72% | 5.21% | -76 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.23% | 0.23% | 0.20% | 0.40% | 0.20% | 0.28% | 0.45% | +25 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.02% | 0.02% | -0.01% | 0.02% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.28% | 1.24% | 1.21% | 1.21% | 1.17% | 1.15% | 1.15% | 1.18% | -3 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.4x | 5.2x | 6.0x | 2.9x | 5.7x | 4.1x | 2.6x | -3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 9.72% | 9.65% | 9.54% | 9.54% | 9.66% | 9.72% | 9.71% | +18 bps | |
| Total Risk-Based Capital | 9.67% | 9.72% | 9.65% | 9.54% | 9.54% | 9.66% | 9.72% | 9.71% | +18 bps | |
| Equity / Assets | 7.74% | 7.62% | 8.37% | 7.59% | 7.92% | 8.14% | 8.51% | 8.72% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.09% | 70.07% | 72.12% | 69.13% | 70.43% | 72.29% | 72.41% | 70.45% | +132 bps | |
| Liquid Assets / Assets | 3.15% | 3.15% | 2.51% | 4.17% | 2.93% | 1.93% | 2.63% | 4.83% | +65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 392% | 381% | n/a | |