PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Old Hickory

Nashville, TN · Charter 67982

NCUA · 7 branches

Q2 2026

$347.3MAssets
$220.0MLoans
$309.7MShares
$36.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.95%, up 3 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 1.17% of loans (-54 bps YoY).
  • Capital: net worth / assets of 10.52%, up 58 bps from a year ago.
  • Funding: loans stand at 71.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+15 bps YoY

Efficiency Ratio (YTD, annualized)

76.26%+321 bps YoY

Net Worth / Assets

10.52%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.75%0.62%0.92%0.88%0.82%0.76%0.95%+3 bps
Return on Equity7.85%7.71%6.41%9.27%8.57%8.01%7.38%9.04%-23 bps
Net Interest Margin3.69%3.68%3.85%3.92%4.04%4.04%4.06%4.06%+15 bps
Efficiency Ratio77.14%76.44%76.10%73.05%73.48%74.12%76.26%76.26%+321 bps
Growth
Asset Growth (YoY)-0.37%2.09%1.97%2.35%3.37%2.51%1.49%1.45%-90 bps
Loan Growth (YoY)-5.91%-6.92%-7.00%-6.66%-4.96%-5.86%-4.88%-3.44%+323 bps
Share Growth (YoY)-1.14%1.53%2.12%1.83%2.33%1.86%0.52%0.66%-117 bps
Asset Quality
Delinquent Loans / Loans1.26%1.47%1.50%1.71%1.51%1.01%0.76%1.17%-54 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 Capital9.86%9.73%9.67%9.94%10.26%10.20%10.27%10.52%+58 bps
Net Worth / Assets9.86%9.73%9.67%9.94%10.26%10.20%10.27%10.52%+58 bps
Liquidity & Funding
Loans / Shares81.79%78.91%75.04%74.04%75.96%72.93%71.01%71.03%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps