Tennessee Bank & Trust

Nashville, TN · Cert 59101 · Peer group: banks under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=16)

FDIC · 5 branches

Q2 2024

$516.5MAssets

$384.8MLoans

$450.9MDeposits

$50.3MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 87% of banks under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 3 of 16).
Widest gap: return on equity trails 81% of banks under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 13 of 16).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.09%

Rank 13 of 16

Net Interest Margin

2.90%

Rank 8 of 16

Efficiency Ratio

95.95%

Rank 13 of 16

Equity / Assets

9.74%

Rank 7 of 16

Unfavorable gap of $14.7M · efficiency ratio beats 25% of banks under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.09%	0.20%	0.71%	1.30%	Beats 19%	13 / 16
Return on Equity	0.91%	2.16%	9.20%	11.88%	Beats 19%	13 / 16
Net Interest Margin	2.90%	2.61%	2.90%	3.35%	Beats 50%	8 / 16
Efficiency Ratio	95.95%	58.20%	76.37%	95.95%	Beats 25%	13 / 16
Asset Quality
Nonperforming Loans / Loans	0.00%	0.02%	0.16%	1.08%	Beats 87%	3 / 16
Net Charge-Offs / Loans	0.11%	0.00%	0.01%	0.11%	Beats 25%	13 / 16
Capital
Tier 1 Capital Ratio	12.33%	11.17%	12.52%	14.62%	Beats 38%	10 / 16
Total Risk-Based Capital Ratio	13.53%	12.43%	13.53%	15.55%	Beats 50%	8 / 16
Equity / Assets	9.74%	8.26%	9.57%	10.98%	Beats 56%	7 / 16
Liquidity & Funding
Loans / Deposits	85.34%	67.25%	82.82%	94.64%	63rd pctl	6 / 16
Loans / Assets	74.50%	59.99%	70.19%	82.15%	63rd pctl	6 / 16
Brokered Deposits / Deposits	n/a	Not reported for this institution