Carthage, TN · Cert 893
State charter, non-member · FDIC · 7 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
46
Profitability
73
Liquidity
52
Efficiency
99
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.
Carthage, TN · Cert 893
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.4% share · #30 of 62 inst. · $0.4B of $107.8B
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 | 1.48% | 1.49% | 1.64% | 1.77% | 1.86% | 1.88% | 2.03% | 2.05% | +28 bps | |
| Return on Equity | 11.39% | 11.55% | 13.25% | 14.60% | 15.06% | 14.88% | 15.60% | 15.59% | +99 bps | |
| Net Interest Margin | 2.57% | 2.62% | 2.90% | 3.11% | 3.18% | 3.21% | 3.38% | 3.43% | +32 bps | |
| Efficiency Ratio | 35.27% | 36.87% | 32.56% | 31.06% | 30.16% | 34.03% | 28.32% | 28.28% | -278 bps | |
| Non-Interest Burden | 0.77% | 0.83% | 0.82% | 0.84% | 0.82% | 0.96% | 0.83% | 0.83% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.81% | 3.32% | 3.69% | 1.53% | 3.72% | 5.73% | 4.58% | 4.02% | +248 bps | |
| Loan Growth (YoY) | 9.00% | 10.13% | 4.59% | 6.46% | 7.03% | 4.02% | 4.71% | 6.73% | +27 bps | |
| Deposit Growth (YoY) | 3.28% | 4.34% | 3.93% | 2.38% | 4.54% | 4.87% | 3.92% | 1.89% | -49 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.43% | 0.59% | 0.57% | 0.50% | 0.51% | 0.54% | 0.62% | +5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.02% | 0.03% | 0.01% | 0.03% | 0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.16% | 1.18% | 1.18% | 1.20% | 1.23% | 1.23% | +5 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.0x | 2.1x | 2.3x | 2.4x | 2.3x | 2.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.58% | 16.79% | 15.84% | 16.15% | 16.49% | 16.67% | 15.89% | 16.29% | +14 bps | |
| Total Risk-Based Capital | 16.58% | 16.79% | 15.84% | 16.15% | 16.49% | 16.67% | 15.89% | 16.29% | +14 bps | |
| Equity / Assets | 13.66% | 12.76% | 11.99% | 11.62% | 13.10% | 13.56% | 12.50% | 13.44% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.58% | 63.84% | 62.21% | 62.28% | 65.09% | 63.32% | 62.67% | 65.24% | +296 bps | |
| Liquid Assets / Assets | 0.48% | 1.88% | 3.29% | 3.75% | 1.89% | 3.41% | 3.93% | 1.55% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.95% | 190.39% | 201% | n/a | n/a | |
Carthage, TN · Cert 893 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
2.05%
Rank 75 of 629
Net Interest Margin
3.43%
Rank 349 of 629
Efficiency Ratio
28.28%
Rank 9 of 629
Equity / Assets
13.44%
Rank 173 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.05% | 0.60% | 1.01% | 1.45% | Beats 88% | 75 / 629 | ||
| Return on Equity | 15.28% | 5.38% | 9.30% | 13.28% | Beats 85% | 96 / 629 | ||
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 45% | 349 / 629 | ||
| Efficiency Ratio | 28.28% | 58.35% | 67.79% | 79.08% | Beats 99% | 9 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.09% | 0.46% | 1.20% | Beats 43% | 335 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 304 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.29% | 11.24% | 13.84% | 18.77% | Beats 66% | 214 / 629 | ||
| Total Risk-Based Capital Ratio | 16.29% | 11.58% | 14.43% | 19.66% | Beats 63% | 233 / 629 | ||
| Equity / Assets | 13.44% | 9.09% | 10.65% | 13.80% | Beats 72% | 173 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.24% | 67.24% | 80.90% | 93.48% | 24th pctl | 454 / 594 | ||
| Loans / Assets | 56.11% | 53.31% | 67.71% | 78.15% | 28th pctl | 451 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||