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 | |