Farragut, TN · Cert 57348 · Education Loan Finance Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 6.0% share · #6 of 42 inst. · $1.6B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.69% | 0.66% | 0.60% | 0.90% | +16 bps | |
| Return on Equity | 8.91% | 8.37% | 7.94% | 7.19% | 10.60% | +169 bps | |
| Net Interest Margin | 3.28% | 3.33% | 3.28% | 3.17% | 3.20% | -8 bps | |
| Efficiency Ratio | 66.67% | 68.49% | 76.54% | 72.55% | 70.18% | +351 bps | |
| Non-Interest Burden | 2.13% | 2.21% | 2.47% | 2.25% | 2.19% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.51% | 20.16% | 17.06% | 8.62% | 7.96% | -855 bps | |
| Loan Growth (YoY) | 22.00% | 25.34% | 21.97% | 11.66% | 8.02% | -1,398 bps | |
| Deposit Growth (YoY) | 17.61% | 22.02% | 17.85% | 8.56% | 7.80% | -981 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.33% | 3.30% | 3.43% | 2.73% | 2.66% | -67 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.13% | 0.10% | 0.06% | 0.13% | +2 bps | |
| Allowance / Loans | 0.59% | 0.61% | 0.62% | 0.62% | 0.59% | -1 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.28% | 8.24% | 8.54% | 8.51% | 8.51% | +24 bps | |
| Total Risk-Based Capital | 13.15% | 12.85% | 13.13% | 13.16% | 13.30% | +15 bps | |
| Equity / Assets | 8.28% | 8.17% | 8.40% | 8.34% | 8.57% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.44% | 97.18% | 96.25% | 97.81% | 96.64% | +20 bps | |
| Liquid Assets / Assets | 7.53% | 6.80% | 8.06% | 6.44% | 7.82% | +28 bps | |
| CRE / Total Capital | n/a | 315% | 303% | 317% | n/a | n/a | |