Franklin, TN · Cert 6100 · Recap Financial Ventures LLC
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.1% share · #46 of 62 inst. · $0.1B of $107.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.07% | -4.65% | -6.91% | -3.36% | -2.99% | -2.74% | -5.25% | -4.93% | -158 bps | |
| Return on Equity | -30.72% | -69.36% | -128.09% | -69.31% | -65.70% | -61.64% | -72.20% | -43.73% | +2,557 bps | |
| Net Interest Margin | 2.63% | 1.67% | 1.53% | 1.82% | 2.05% | 2.08% | 2.27% | 2.35% | +53 bps | |
| Efficiency Ratio | 169.43% | 292% | 330% | 260% | 222% | 178.58% | 302% | 224% | -3,615 bps | |
| Non-Interest Burden | 4.91% | 5.87% | 5.17% | 4.83% | 4.96% | 4.64% | 7.12% | 5.41% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.21% | -22.67% | -37.44% | -30.60% | -15.35% | -26.61% | -6.52% | 4.99% | +3,559 bps | |
| Loan Growth (YoY) | -15.05% | -18.56% | -13.95% | -14.30% | -7.19% | -7.74% | -3.72% | 9.79% | +2,410 bps | |
| Deposit Growth (YoY) | -8.80% | -22.64% | -37.89% | -30.24% | -10.09% | -24.12% | -9.24% | -1.58% | +2,866 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 2.76% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 1.18% | +117 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 5.69% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 0.85% | 0.97% | 1.02% | 1.04% | 1.10% | 1.23% | 1.76% | +73 bps | |
| Allowance Coverage of NPLs | 2.4x | 0.3x | 80.1x | 83.2x | n/a | n/a | n/a | 1.5x | -81.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.38% | 7.23% | 6.79% | 6.63% | 6.39% | 12.88% | 15.18% | +839 bps | |
| Total Risk-Based Capital | 17.70% | 15.92% | 13.14% | 11.46% | 10.61% | 9.95% | 18.50% | 21.17% | +970 bps | |
| Equity / Assets | 7.71% | 5.74% | 5.01% | 4.67% | 4.45% | 4.43% | 9.77% | 12.71% | +805 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.46% | 57.52% | 62.87% | 65.58% | 65.51% | 69.94% | 66.70% | 73.16% | +758 bps | |
| Liquid Assets / Assets | 23.40% | 29.35% | 21.23% | 18.13% | 18.37% | 13.30% | 23.70% | 21.26% | +313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 415% | 417% | 215% | n/a | n/a | |