Clarksville, TN · Cert 9963
FDIC · 20 branches
Q4 2025
Market Position · Clarksville, TN-KY · 2025 SOD (annual) · 16.4% share · #2 of 17 inst. · $1.0B of $6.2B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.65% | 0.83% | 0.84% | 0.78% | +29 bps | |
| Return on Equity | 5.84% | 7.46% | 9.47% | 9.36% | 8.51% | +267 bps | |
| Net Interest Margin | 2.95% | 3.02% | 3.13% | 3.25% | 3.38% | +43 bps | |
| Efficiency Ratio | 80.83% | 74.63% | 70.08% | 70.40% | 72.35% | -849 bps | |
| Non-Interest Burden | 2.30% | 2.15% | 2.02% | 2.13% | 2.30% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.22% | -8.38% | -7.52% | -9.28% | -7.95% | -174 bps | |
| Loan Growth (YoY) | -5.77% | -6.84% | -6.08% | -6.94% | -4.26% | +151 bps | |
| Deposit Growth (YoY) | -5.31% | -7.31% | -6.38% | -7.40% | -8.77% | -346 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.07% | 0.19% | 0.17% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.02% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.70% | 0.72% | 0.72% | 0.72% | 0.73% | +3 bps | |
| Allowance Coverage of NPLs | 9.8x | 11.2x | 10.2x | 3.8x | 4.2x | -5.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.32% | 8.43% | 8.39% | 8.53% | 9.53% | +120 bps | |
| Total Risk-Based Capital | 11.75% | 11.91% | 11.87% | 11.82% | 12.96% | +121 bps | |
| Equity / Assets | 8.64% | 8.77% | 9.01% | 9.47% | 10.14% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.32% | 78.49% | 82.26% | 85.63% | 84.29% | +397 bps | |
| Liquid Assets / Assets | 7.25% | 8.57% | 6.29% | 3.00% | 6.41% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 326% | 290% | n/a | |