Greeneville, TN · Cert 57656
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.56% | 0.25% | 1.32% | 0.79% | 0.95% | 0.81% | 0.72% | 1.01% | +22 bps | |
| Return on Equity | 5.85% | 2.59% | 13.72% | 8.38% | 10.02% | 8.29% | 7.14% | 10.07% | +169 bps | |
| Net Interest Margin | 3.72% | 3.58% | 3.62% | 3.63% | 3.89% | 3.92% | 3.65% | 3.94% | +31 bps | |
| Efficiency Ratio | 74.27% | 89.44% | 77.86% | 74.15% | 68.21% | 76.13% | 77.14% | 68.59% | -556 bps | |
| Non-Interest Burden | 2.71% | 3.19% | 2.77% | 2.64% | 2.57% | 2.92% | 2.76% | 2.64% | +1 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% | 0.01% | 0.01% | 0.03% | +3 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 | |