Greeneville, TN · Cert 57656
State charter, non-member · FDIC · 3 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
63
Profitability
42
Liquidity
21
Efficiency
30
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.
Greeneville, TN · Cert 57656
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.60% | 0.51% | 1.32% | 1.05% | 1.02% | 0.97% | 0.72% | 0.87% | -19 bps | |
| Return on Equity | 6.18% | 5.28% | 13.72% | 11.03% | 10.68% | 10.07% | 7.14% | 8.61% | -242 bps | |
| Net Interest Margin | 3.48% | 3.49% | 3.62% | 3.54% | 3.63% | 3.69% | 3.65% | 3.79% | +25 bps | |
| Efficiency Ratio | 77.18% | 80.37% | 77.86% | 75.96% | 73.19% | 73.97% | 77.14% | 72.72% | -324 bps | |
| Non-Interest Burden | 2.65% | 2.77% | 2.77% | 2.64% | 2.59% | 2.67% | 2.76% | 2.69% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | 8.27% | 9.17% | 9.52% | 10.55% | 6.81% | 1.77% | 1.33% | -818 bps | |
| Loan Growth (YoY) | 7.66% | 9.14% | 11.99% | 9.95% | 9.89% | 7.70% | 2.55% | -2.01% | -1,196 bps | |
| Deposit Growth (YoY) | 7.21% | 9.37% | 10.03% | 10.36% | 11.49% | 4.78% | 1.87% | -0.58% | -1,094 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.00% | 0.00% | 0.11% | 0.15% | 0.01% | 0.03% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 1.34% | 1.33% | 1.33% | 1.32% | 1.29% | 1.27% | 1.28% | 1.31% | 0 bps | |
| Allowance Coverage of NPLs | 28.6x | 186.3x | 278.6x | 390.2x | 11.5x | 8.7x | 148.3x | 51.5x | -338.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.73% | 9.89% | 9.61% | 9.73% | 9.92% | 10.11% | 10.31% | +70 bps | |
| Total Risk-Based Capital | 15.85% | 15.80% | 15.72% | 15.68% | 15.54% | 15.40% | 15.68% | 16.36% | +68 bps | |
| Equity / Assets | 9.67% | 9.72% | 9.49% | 9.46% | 9.56% | 10.09% | 10.04% | 10.10% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.26% | 100.85% | 98.76% | 96.90% | 96.85% | 103.66% | 99.41% | 95.51% | -139 bps | |
| Liquid Assets / Assets | 9.98% | 8.12% | 8.79% | 10.71% | 10.87% | 5.47% | 9.20% | 11.42% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 244% | 252% | n/a | n/a | |
Greeneville, TN · Cert 57656 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.85%
Rank 484 of 746
Net Interest Margin
3.79%
Rank 336 of 746
Efficiency Ratio
72.72%
Rank 520 of 746
Equity / Assets
10.10%
Rank 412 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 484 / 746 | ||
| Return on Equity | 8.44% | 6.74% | 10.51% | 13.63% | Beats 37% | 471 / 746 | ||
| Net Interest Margin | 3.79% | 3.17% | 3.68% | 4.16% | Beats 55% | 336 / 746 | ||
| Efficiency Ratio | 72.72% | 55.74% | 64.58% | 75.47% | Beats 30% | 520 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 81% | 145 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 410 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.10% | 11.55% | 13.75% | 17.60% | Beats 62% | 282 / 746 | ||
| Total Risk-Based Capital Ratio | 16.36% | 11.71% | 14.33% | 18.43% | Beats 66% | 255 / 746 | ||
| Equity / Assets | 10.10% | 8.90% | 10.51% | 13.06% | Beats 45% | 412 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.51% | 61.31% | 78.27% | 90.78% | 85th pctl | 113 / 746 | ||
| Loans / Assets | 78.77% | 53.60% | 66.97% | 76.08% | 82nd pctl | 136 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||