Chattanooga, TN · Cert 59206
National charter · OCC · 1 branch
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 2.1% share · #12 of 30 inst. · $0.3B of $15.8B
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 | 0.06% | 0.22% | 0.34% | 0.35% | 0.37% | 1.19% | 0.47% | 0.33% | -2 bps | |
| Return on Equity | 0.39% | 1.63% | 2.76% | 2.85% | 3.03% | 9.63% | 3.67% | 2.70% | -14 bps | |
| Net Interest Margin | 1.99% | 2.09% | 2.70% | 2.73% | 2.72% | 2.71% | 3.02% | 2.97% | +24 bps | |
| Efficiency Ratio | 89.52% | 84.92% | 82.71% | 81.57% | 80.26% | 78.59% | 78.26% | 76.81% | -476 bps | |
| Non-Interest Burden | 1.76% | 1.75% | 2.21% | 2.21% | 2.16% | 2.10% | 2.31% | 2.23% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.53% | 35.90% | 23.69% | 13.39% | 13.30% | 12.27% | 9.54% | 19.37% | +598 bps | |
| Loan Growth (YoY) | 43.43% | 31.26% | 24.12% | 14.40% | 17.00% | 15.42% | 13.68% | 18.84% | +444 bps | |
| Deposit Growth (YoY) | 43.39% | 38.72% | 28.72% | 15.37% | 15.30% | 12.44% | 13.40% | 24.42% | +905 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.13% | 0.13% | +13 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 | 0.95% | 0.91% | 0.92% | 0.92% | 0.92% | 0.91% | 0.90% | 0.99% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 8.0x | 7.2x | 7.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.28% | 13.00% | 13.04% | 13.02% | 12.58% | 12.62% | 12.62% | 12.13% | -88 bps | |
| Total Risk-Based Capital | 17.31% | 17.23% | 17.00% | 16.39% | 15.77% | 15.84% | 15.89% | 14.89% | -150 bps | |
| Equity / Assets | 12.96% | 12.46% | 12.26% | 12.32% | 12.01% | 12.72% | 12.65% | 11.54% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.51% | 95.80% | 94.81% | 97.43% | 98.95% | 98.33% | 95.05% | 93.06% | -437 bps | |
| Liquid Assets / Assets | 3.48% | 5.79% | 6.95% | 3.93% | 3.33% | 3.50% | 3.92% | 5.81% | +188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 335% | 314% | 318% | n/a | n/a | |