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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.54% | 0.69% | 0.30% | 0.65% | 1.02% | 0.85% | 0.60% | +30 bps | |
| Return on Equity | 5.25% | 6.61% | 8.10% | 3.41% | 7.46% | 11.45% | 9.20% | 6.14% | +273 bps | |
| Net Interest Margin | 2.62% | 2.75% | 3.00% | 3.01% | 3.02% | 3.18% | 3.32% | 3.38% | +37 bps | |
| Efficiency Ratio | 81.69% | 76.91% | 73.91% | 90.86% | 74.63% | 66.10% | 71.06% | 78.51% | -1,235 bps | |
| Non-Interest Burden | 2.07% | 2.03% | 2.11% | 2.69% | 2.15% | 1.84% | 2.25% | 2.57% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.39% | 2.72% | -0.98% | -6.22% | -8.38% | -7.52% | -9.28% | -7.95% | -174 bps | |
| Loan Growth (YoY) | 1.17% | 0.70% | -0.45% | -5.77% | -6.84% | -6.08% | -6.94% | -4.26% | +151 bps | |
| Deposit Growth (YoY) | 10.09% | 4.09% | -2.23% | -5.31% | -7.31% | -6.38% | -7.40% | -8.77% | -346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.03% | 0.07% | 0.06% | 0.07% | 0.19% | 0.17% | +10 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.02% | -0.04% | 0.02% | 0.01% | 0.00% | 0.01% | +5 bps | |
| Allowance / Loans | 0.69% | 0.70% | 0.70% | 0.70% | 0.72% | 0.72% | 0.72% | 0.73% | +3 bps | |
| Allowance Coverage of NPLs | 8.9x | 8.1x | 20.7x | 9.8x | 11.2x | 10.2x | 3.8x | 4.2x | -5.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.79% | 7.75% | 8.13% | 8.32% | 8.43% | 8.39% | 8.53% | 9.53% | +120 bps | |
| Total Risk-Based Capital | 11.14% | 10.96% | 11.25% | 11.75% | 11.91% | 11.87% | 11.82% | 12.96% | +121 bps | |
| Equity / Assets | 8.07% | 8.26% | 8.84% | 8.64% | 8.77% | 9.01% | 9.47% | 10.14% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.09% | 81.99% | 85.21% | 80.32% | 78.49% | 82.26% | 85.63% | 84.29% | +397 bps | |
| Liquid Assets / Assets | 12.95% | 7.36% | 4.43% | 7.25% | 8.57% | 6.29% | 3.00% | 6.41% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 326% | 290% | n/a | |