Bank of Dade
Total assets
$162.3M
▲ +7.2% YoY
Deposits
$151.3M
▲ +6.6% YoY
Loans
$96.9M
▲ +9.6% YoY
Offices
3
TRI-STATES BANKSHARES INC
ROA (annualized)
2.72%
peers 1.24%
ROE (annualized)
41.71%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Dade | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | 2.72% | 1.24% | +1.5 pts |
| ROE | 41.7% | 11.9% | +29.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
Profile
- Established
- 1956
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- TRI-STATES BANKSHARES INC
- Specialization
- All Other Under 1 Billion
- Address
- 12634 N Main St, Trenton, GA, 30752
- County
- Dade
- Metro area
- Chattanooga, TN-GA
- Offices
- 3
- FDIC cert #
- 17543
- RSSD ID
- 441630
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.3M | $151.3M | $96.9M | $10.4M | $2.2M | 2.72% | 4.99% | 0.16% |
| Q1 2026 | $160.6M | $150.1M | $93.3M | $10.0M | $1.1M | 2.81% | 4.97% | 0.03% |
| Q4 2025 | $160.9M | $149.2M | $90.2M | $11.2M | $4.4M | 2.83% | 5.02% | 0.02% |
| Q3 2025 | $152.4M | $140.8M | $90.8M | $11.0M | $3.3M | 2.84% | 5.03% | 0.07% |
| Q2 2025 | $151.4M | $141.9M | $88.4M | $8.9M | $2.1M | 2.72% | 4.93% | 0.66% |
| Q1 2025 | $154.2M | $145.3M | $86.0M | $8.0M | $1.1M | 2.93% | 4.94% | 0.59% |
| Q4 2024 | $152.8M | $144.1M | $86.5M | $8.2M | $3.7M | 2.40% | 4.60% | 0.60% |
| Q3 2024 | $152.5M | $142.5M | $86.8M | $9.2M | $2.7M | 2.39% | 4.50% | 0.72% |
Loan mix (Q2 2026): real estate $87.4M · commercial $1.6M · consumer $7.3M · securities $52.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Dade | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 41.7% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.96% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Dade | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Dade | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Dade | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Dade | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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