| Metric | BankTennessee | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.9% | -1.5 pts |
| Deposit growth (YoY) | +3.8% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +2.6% | +5.3% | -2.8 pts |
| ROA | 1.09% | 1.28% | -0.2 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $630.3M | $548.4M | $497.4M | $61.7M | $3.4M | 1.09% | 3.78% | 0.96% |
| Q1 2026 | $615.7M | $535.6M | $495.8M | $60.5M | $1.6M | 1.07% | 3.75% | 0.86% |
| Q4 2025 | $615.9M | $535.2M | $498.9M | $59.8M | $6.8M | 1.12% | 3.57% | 0.78% |
| Q3 2025 | $603.5M | $521.7M | $484.7M | $58.6M | $5.2M | 1.14% | 3.55% | 0.70% |
| Q2 2025 | $609.2M | $528.2M | $484.9M | $56.9M | $3.5M | 1.13% | 3.47% | 0.78% |
| Q1 2025 | $608.7M | $529.8M | $488.8M | $55.9M | $2.0M | 1.29% | 3.42% | 0.82% |
| Q4 2024 | $613.9M | $525.2M | $493.2M | $54.9M | $6.2M | 1.05% | 3.37% | 0.88% |
| Q3 2024 | $598.9M | $512.2M | $493.8M | $53.2M | $5.0M | 1.14% | 3.38% | 0.87% |
Loan mix (Q2 2026): real estate $424.4M · commercial $66.3M · consumer $7.3M · securities $27.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankTennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.28% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 61.2% | 69th |
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% |
| Ratio | BankTennessee | 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% |
| Ratio | BankTennessee | 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% |
| Ratio | BankTennessee | 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% |
| Ratio | BankTennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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