Nashville, TN · Cert 57825 · Truxton Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.0% share · #16 of 62 inst. · $1.1B of $107.8B
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 | 1.86% | 1.91% | 1.82% | 1.82% | 1.82% | 1.76% | 1.95% | 1.98% | +16 bps | |
| Return on Equity | 19.78% | 20.10% | 19.96% | 20.65% | 20.96% | 20.63% | 23.72% | 23.45% | +280 bps | |
| Net Interest Margin | 2.57% | 2.68% | 2.84% | 2.62% | 2.55% | 2.55% | 3.01% | 3.01% | +39 bps | |
| Efficiency Ratio | 51.78% | 50.85% | 51.05% | 51.69% | 51.24% | 50.53% | 49.77% | 49.39% | -230 bps | |
| Non-Interest Burden | 0.32% | 0.31% | 0.32% | 0.37% | 0.39% | 0.40% | 0.59% | 0.54% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 3.77% | 19.70% | 26.63% | 27.07% | 42.98% | 15.00% | 9.73% | -1,690 bps | |
| Loan Growth (YoY) | 3.57% | 1.85% | 6.38% | 6.75% | 8.44% | 21.43% | 15.11% | 16.12% | +937 bps | |
| Deposit Growth (YoY) | 13.29% | 9.25% | 19.40% | 23.49% | 29.25% | 43.28% | 15.28% | 7.26% | -1,623 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.96% | 0.96% | 0.96% | 0.97% | 0.98% | 0.91% | 0.91% | 0.92% | -5 bps | |
| Allowance Coverage of NPLs | 3179.0x | 584.8x | n/a | n/a | 64.5x | 71.3x | 61.4x | 52.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 10.63% | 10.46% | 9.36% | 8.90% | 8.77% | 8.85% | 9.27% | -9 bps | |
| Total Risk-Based Capital | 16.11% | 15.83% | 14.73% | 14.53% | 14.24% | 13.81% | 14.58% | 14.92% | +40 bps | |
| Equity / Assets | 9.63% | 9.95% | 8.45% | 8.30% | 8.26% | 8.00% | 8.47% | 8.85% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.14% | 77.32% | 68.22% | 65.92% | 62.20% | 65.52% | 68.12% | 71.36% | +544 bps | |
| Liquid Assets / Assets | 2.29% | 1.28% | 1.13% | 0.73% | 1.00% | 3.13% | 1.42% | 0.81% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 321% | 308% | n/a | n/a | |