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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.54% | 1.64% | 1.90% | 2.05% | 1.92% | 2.03% | 2.07% | +17 bps | |
| Return on Equity | 11.11% | 11.66% | 13.25% | 16.05% | 16.59% | 14.43% | 15.60% | 15.95% | -10 bps | |
| Net Interest Margin | 2.68% | 2.85% | 2.90% | 3.36% | 3.38% | 3.45% | 3.38% | 3.50% | +14 bps | |
| Efficiency Ratio | 35.97% | 41.20% | 32.56% | 29.78% | 28.51% | 44.63% | 28.32% | 28.24% | -154 bps | |
| Non-Interest Burden | 0.82% | 1.04% | 0.82% | 0.86% | 0.81% | 1.43% | 0.83% | 0.83% | -2 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% | 0.08% | 0.02% | 0.03% | -0.03% | 0.11% | 0.01% | 0.01% | -3 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 | |