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 | |