Clifton, TN · Cert 9489 · PB Bancshares Emp STK Ownership Plan
State charter, Fed member · FED · 5 branches
Q2 2026
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 | 2.07% | 2.00% | 1.76% | 1.69% | 1.63% | 1.55% | 1.76% | 1.46% | -23 bps | |
| Return on Equity | 18.03% | 17.37% | 15.05% | 14.18% | 13.47% | 12.69% | 14.17% | 11.85% | -233 bps | |
| Net Interest Margin | 5.25% | 5.17% | 4.79% | 4.72% | 4.86% | 4.76% | 4.89% | 4.59% | -12 bps | |
| Efficiency Ratio | 50.72% | 50.69% | 54.03% | 55.33% | 55.56% | 58.09% | 53.67% | 56.55% | +122 bps | |
| Non-Interest Burden | 2.56% | 2.52% | 2.47% | 2.49% | 2.58% | 2.68% | 2.54% | 2.51% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.52% | 11.93% | 9.27% | 4.20% | 6.21% | 3.62% | 5.42% | 11.45% | +725 bps | |
| Loan Growth (YoY) | 8.93% | 7.14% | -0.23% | -2.70% | -0.30% | -0.71% | 11.00% | 20.25% | +2,295 bps | |
| Deposit Growth (YoY) | 7.97% | 12.50% | 11.74% | 5.74% | 8.71% | 4.14% | 3.91% | 9.06% | +333 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.27% | 0.59% | 0.38% | 0.23% | 0.39% | 0.35% | 0.39% | +1 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.13% | 0.26% | 0.31% | 0.32% | 0.24% | 0.03% | 0.25% | -6 bps | |
| Allowance / Loans | 1.03% | 1.05% | 1.04% | 1.03% | 1.04% | 1.02% | 0.96% | 0.92% | -11 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.9x | 1.8x | 2.7x | 4.5x | 2.6x | 2.8x | 2.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.24% | 12.23% | 12.31% | 12.43% | 13.19% | 12.99% | 13.24% | 12.72% | +29 bps | |
| Total Risk-Based Capital | 16.26% | 16.06% | 16.79% | 17.34% | 17.50% | 16.88% | 16.09% | 15.26% | -208 bps | |
| Equity / Assets | 12.07% | 11.67% | 11.76% | 12.32% | 12.72% | 12.53% | 12.39% | 12.16% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.83% | 89.86% | 84.32% | 86.81% | 86.97% | 85.68% | 90.08% | 95.71% | +890 bps | |
| Liquid Assets / Assets | 6.88% | 7.16% | 10.33% | 10.55% | 8.76% | 7.49% | 4.26% | 3.92% | -663 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.90% | 204% | 223% | n/a | n/a | |