Nashville, TN · Cert 59112 · Studio Financial Holdings Inc.
State charter, Fed member · FED · 2 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
34
Profitability
17
Liquidity
96
Efficiency
25
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.
Nashville, TN · Cert 59112 · Studio Financial Holdings Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.1% share · #13 of 62 inst. · $1.2B 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 | 0.79% | 0.84% | 0.75% | 0.78% | 0.75% | 0.81% | 0.58% | 0.71% | -7 bps | |
| Return on Equity | 8.81% | 9.29% | 8.17% | 8.56% | 8.19% | 8.75% | 6.18% | 7.63% | -93 bps | |
| Net Interest Margin | 2.60% | 2.58% | 2.84% | 2.82% | 2.81% | 2.65% | 3.10% | 2.93% | +11 bps | |
| Efficiency Ratio | 64.84% | 64.52% | 69.33% | 70.86% | 70.23% | 67.92% | 68.35% | 67.64% | -322 bps | |
| Non-Interest Burden | 1.52% | 1.51% | 1.83% | 1.81% | 1.80% | 1.64% | 2.00% | 1.86% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.56% | 3.05% | 6.07% | 7.66% | 24.79% | 21.89% | 29.23% | 24.74% | +1,709 bps | |
| Loan Growth (YoY) | 6.23% | 0.92% | 2.76% | 5.57% | 16.22% | 25.42% | 32.63% | 26.57% | +2,100 bps | |
| Deposit Growth (YoY) | 0.54% | 10.96% | 21.50% | 9.30% | 35.48% | 26.21% | 28.02% | 35.51% | +2,620 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 0.59% | 0.59% | 0.35% | 0.32% | 0.46% | 0.24% | 1.03% | +68 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.00% | 0.05% | 0.03% | 0.05% | 0.14% | 0.05% | 0 bps | |
| Allowance / Loans | 1.19% | 1.19% | 1.17% | 1.14% | 1.15% | 1.13% | 1.14% | 1.16% | +2 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.0x | 2.0x | 3.2x | 3.6x | 2.4x | 4.7x | 1.1x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.65% | 9.80% | 9.70% | 10.76% | 9.84% | 9.82% | 9.49% | -21 bps | |
| Total Risk-Based Capital | 13.10% | 13.10% | 13.05% | 12.77% | 13.67% | 13.10% | 12.65% | 12.63% | -14 bps | |
| Equity / Assets | 9.19% | 9.21% | 9.19% | 9.07% | 9.23% | 9.72% | 8.99% | 9.41% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.01% | 89.81% | 83.59% | 94.72% | 80.65% | 89.25% | 86.60% | 88.47% | -625 bps | |
| Liquid Assets / Assets | 7.02% | 7.27% | 9.84% | 8.39% | 15.55% | 7.66% | 10.67% | 6.71% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 417% | 449% | 465% | n/a | n/a | |
Nashville, TN · Cert 59112 · Peer group: banks $1B-$10B in assets (n=322-328) · Studio Financial Holdings Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
0.70%
Rank 283 of 328
Net Interest Margin
2.93%
Rank 261 of 328
Efficiency Ratio
67.64%
Rank 248 of 328
Equity / Assets
9.41%
Rank 227 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.91% | 1.22% | 1.52% | Beats 14% | 283 / 328 | ||
| Return on Equity | 7.43% | 8.43% | 11.45% | 14.43% | Beats 17% | 271 / 328 | ||
| Net Interest Margin | 2.93% | 3.03% | 3.45% | 3.83% | Beats 20% | 261 / 328 | ||
| Efficiency Ratio | 67.64% | 51.61% | 59.56% | 67.53% | Beats 25% | 248 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.24% | 0.51% | 1.03% | Beats 25% | 242 / 322 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 43% | 187 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.45% | 11.75% | 13.15% | 15.47% | Beats 22% | 257 / 328 | ||
| Total Risk-Based Capital Ratio | 12.63% | 12.63% | 14.15% | 16.46% | Beats 25% | 246 / 328 | ||
| Equity / Assets | 9.41% | 9.15% | 10.33% | 12.01% | Beats 31% | 227 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.47% | 76.63% | 87.92% | 95.36% | 51st pctl | 157 / 323 | ||
| Loans / Assets | 76.74% | 65.18% | 74.15% | 79.98% | 62nd pctl | 124 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||