Cookeville, TN · Cert 8432 · B P C Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
77
Profitability
87
Liquidity
40
Efficiency
81
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cookeville, TN · Cert 8432 · B P C Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.6% share · #25 of 42 inst. · $0.2B of $26.6B
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 | 1.08% | 1.27% | 1.37% | 1.52% | 1.58% | 1.68% | 1.74% | 1.83% | +31 bps | |
| Return on Equity | 17.40% | 20.09% | 20.01% | 21.55% | 21.53% | 22.06% | 20.02% | 20.94% | -60 bps | |
| Net Interest Margin | 2.77% | 2.87% | 3.37% | 3.48% | 3.58% | 3.62% | 3.88% | 3.91% | +43 bps | |
| Efficiency Ratio | 60.57% | 56.48% | 55.68% | 53.04% | 51.94% | 49.38% | 49.81% | 49.11% | -393 bps | |
| Non-Interest Burden | 1.36% | 1.27% | 1.51% | 1.44% | 1.46% | 1.37% | 1.51% | 1.46% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 6.03% | 6.08% | 3.99% | 3.36% | 2.27% | 0.70% | 1.09% | -290 bps | |
| Loan Growth (YoY) | 7.81% | 7.90% | 8.78% | 8.73% | 4.41% | 3.21% | 3.13% | 1.58% | -715 bps | |
| Deposit Growth (YoY) | 4.15% | 5.30% | 5.41% | 2.88% | 1.82% | -0.16% | -1.24% | -0.41% | -330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.02% | 0.02% | 0.05% | 0.01% | 0.01% | 0.00% | 0.01% | -4 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.03% | 0.03% | 0.03% | 0.04% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 0.54% | 0.51% | 0.53% | 0.55% | 0.58% | 0.62% | 0.65% | 0.68% | +13 bps | |
| Allowance Coverage of NPLs | 104.8x | 21.9x | 25.0x | 10.5x | 43.4x | 80.2x | 155.0x | 49.5x | +39.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.37% | 7.53% | 7.68% | 8.09% | 8.61% | 8.96% | 9.08% | 9.09% | +100 bps | |
| Total Risk-Based Capital | 13.06% | 13.35% | 13.89% | 14.13% | 14.99% | 15.72% | 15.43% | 15.59% | +146 bps | |
| Equity / Assets | 6.66% | 6.71% | 6.94% | 7.54% | 8.13% | 8.72% | 8.68% | 8.79% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.05% | 70.02% | 70.10% | 72.56% | 71.84% | 72.38% | 73.20% | 74.02% | +146 bps | |
| Liquid Assets / Assets | 7.45% | 8.04% | 8.69% | 7.79% | 7.14% | 8.24% | 7.41% | 7.07% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 381% | 361% | 367% | n/a | n/a | |
Cookeville, TN · Cert 8432 · Peer group: banks $1B-$10B in assets (n=322-328) · B P C Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
1.83%
Rank 36 of 328
Net Interest Margin
3.91%
Rank 70 of 328
Efficiency Ratio
49.27%
Rank 63 of 328
Equity / Assets
8.79%
Rank 269 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.91% | 1.22% | 1.52% | Beats 89% | 36 / 328 | ||
| Return on Equity | 20.79% | 8.43% | 11.45% | 14.43% | Beats 94% | 20 / 328 | ||
| Net Interest Margin | 3.91% | 3.03% | 3.45% | 3.83% | Beats 79% | 70 / 328 | ||
| Efficiency Ratio | 49.27% | 51.61% | 59.56% | 67.53% | Beats 81% | 63 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.03% | Beats 95% | 18 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 135 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.85% | 11.75% | 13.15% | 15.47% | Beats 70% | 100 / 328 | ||
| Total Risk-Based Capital Ratio | 15.59% | 12.63% | 14.15% | 16.46% | Beats 68% | 104 / 328 | ||
| Equity / Assets | 8.79% | 9.15% | 10.33% | 12.01% | Beats 18% | 269 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.02% | 76.63% | 87.92% | 95.36% | 21st pctl | 255 / 323 | ||
| Loans / Assets | 65.98% | 65.18% | 74.15% | 79.98% | 26th pctl | 242 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||