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Letter portraitLegal landscapeQuarterYTD

Knox Co. Employees

Knoxville, TN · Charter 67793

NCUA · 3 branches

Q2 2026

$12.5MAssets
$6.2MLoans
$10.1MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.51%, down 27 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY).
  • Capital: net worth / assets of 18.82%, up 108 bps from a year ago.
  • Funding: loans stand at 61.48% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.51%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.65%-7 bps YoY

Efficiency Ratio (YTD, annualized)

70.01%+128 bps YoY

Net Worth / Assets

18.82%+108 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.13%1.64%1.78%1.70%1.60%1.37%1.51%-27 bps
Return on Equity5.48%6.58%9.53%10.02%9.51%9.19%7.61%8.03%-199 bps
Net Interest Margin4.03%4.20%4.60%4.73%4.67%4.46%4.63%4.65%-7 bps
Efficiency Ratio79.58%76.14%72.31%68.73%69.29%69.51%71.17%70.01%+128 bps
Growth
Asset Growth (YoY)4.69%7.88%4.72%4.04%3.20%8.76%4.52%2.74%-131 bps
Loan Growth (YoY)-11.14%-5.79%-3.83%0.16%3.07%-0.39%-4.84%-9.06%-921 bps
Share Growth (YoY)4.27%7.59%3.99%2.71%1.59%7.09%3.56%1.40%-131 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.00%0.00%0.03%0.10%0.00%0.04%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.66%17.15%17.18%17.74%17.84%17.36%18.01%18.82%+108 bps
Net Worth / Assets16.66%17.15%17.18%17.74%17.84%17.36%18.01%18.82%+108 bps
Liquidity & Funding
Loans / Shares67.05%69.73%67.68%68.55%68.02%64.86%62.19%61.48%-707 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps