Fayetteville, TN · Cert 57396 · Bolc Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (7 in holding)
Q2 2026
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 | 1.72% | 1.83% | 1.97% | 1.78% | 2.08% | +35 bps | |
| Return on Equity | 15.00% | 15.50% | 16.14% | 14.48% | 16.58% | +158 bps | |
| Net Interest Margin | 4.69% | 4.76% | 4.90% | 4.94% | 5.06% | +37 bps | |
| Efficiency Ratio | 56.40% | 51.74% | 49.24% | 53.57% | 48.58% | -782 bps | |
| Non-Interest Burden | 2.44% | 2.25% | 2.19% | 2.44% | 2.21% | -23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.05% | 5.00% | 1.13% | 5.52% | 3.95% | -210 bps | |
| Loan Growth (YoY) | 9.18% | 1.06% | -2.97% | 1.20% | 0.39% | -879 bps | |
| Deposit Growth (YoY) | 5.06% | 3.67% | 0.03% | 4.64% | 2.73% | -233 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.00% | 0.00% | 0.00% | 0.01% | -8 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.16% | -0.01% | 0.05% | 0.03% | +5 bps | |
| Allowance / Loans | 0.98% | 0.92% | 0.95% | 0.88% | 0.90% | -8 bps | |
| Allowance Coverage of NPLs | 11.3x | n/a | n/a | n/a | 82.4x | +71.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.58% | 12.64% | 12.98% | 13.24% | 12.23% | -35 bps | |
| Total Risk-Based Capital | 12.58% | 12.64% | 12.98% | 13.24% | 12.23% | -35 bps | |
| Equity / Assets | 11.59% | 12.00% | 12.45% | 12.17% | 12.88% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.42% | 86.26% | 86.19% | 87.16% | 87.38% | -204 bps | |
| Liquid Assets / Assets | 5.60% | 8.45% | 8.50% | 9.06% | 9.22% | +362 bps | |
| CRE / Total Capital | n/a | 265% | 253% | 247% | n/a | n/a | |