Studio Bank
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
$1.3BAssets
$1.0BLoans
$1.2BDeposits
$126.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 43% of banks $1B-$10B in assets (rank 187 of 322).
- Widest gap: return on assets trails 86% of banks $1B-$10B in assets (rank 283 of 328).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $25.4M · efficiency ratio beats 25% of banks $1B-$10B in assets | 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 |