Lebanon, TN · Cert 57684
FDIC · 3 branches
Q4 2025
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2025 SOD (annual) · 0.3% share · #36 of 64 inst. · $0.3B of $98.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.37% | 0.35% | 0.45% | 0.54% | 0.63% | 0.63% | 1.38% | +94 bps | |
| Return on Equity | 4.47% | 4.15% | 4.21% | 5.47% | 6.70% | 7.80% | 7.71% | 16.55% | +1,108 bps | |
| Net Interest Margin | 2.58% | 2.58% | 2.54% | 2.59% | 2.62% | 2.74% | 2.90% | 2.84% | +26 bps | |
| Efficiency Ratio | 79.35% | 77.14% | 78.45% | 75.60% | 75.38% | 74.00% | 70.03% | 61.58% | -1,402 bps | |
| Non-Interest Burden | 1.98% | 1.91% | 1.93% | 1.88% | 1.91% | 1.95% | 1.93% | 1.38% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.38% | 17.16% | 19.66% | 13.97% | 13.56% | 7.41% | 3.48% | 5.82% | -814 bps | |
| Loan Growth (YoY) | 21.62% | 25.45% | 25.41% | 24.16% | 17.53% | 12.15% | 9.19% | 8.90% | -1,526 bps | |
| Deposit Growth (YoY) | 13.09% | 27.37% | 28.86% | 22.26% | 19.61% | 7.18% | 4.00% | 3.12% | -1,914 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.34% | 0.02% | 0.00% | 0.07% | 0.43% | +8 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.02% | 0.03% | 0.01% | 0.22% | 0.01% | 0.09% | +6 bps | |
| Allowance / Loans | 0.61% | 0.61% | 0.61% | 0.61% | 0.57% | 0.51% | 0.53% | 0.52% | -9 bps | |
| Allowance Coverage of NPLs | 34.0x | n/a | n/a | 1.8x | 28.5x | n/a | 7.1x | 1.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.20% | 8.88% | 8.74% | 8.61% | 8.71% | 8.77% | 8.99% | +25 bps | |
| Total Risk-Based Capital | 14.41% | 13.40% | 12.25% | 12.10% | 12.13% | 11.24% | 11.94% | 11.26% | -85 bps | |
| Equity / Assets | 9.17% | 8.43% | 8.34% | 8.09% | 8.09% | 8.03% | 8.27% | 8.45% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.77% | 85.76% | 86.10% | 88.37% | 88.21% | 89.74% | 90.39% | 93.32% | +496 bps | |
| Liquid Assets / Assets | 3.07% | 2.85% | 2.69% | 2.63% | 2.49% | 2.44% | 2.39% | 2.28% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 311% | 321% | n/a | |