| Metric | Coffee County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 2.56% | 1.24% | +1.3 pts |
| ROE | 28.4% | 11.9% | +16.6 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $427.6M | $384.2M | $362.8M | $39.7M | $5.5M | 2.56% | 4.83% | 0.16% |
| Q1 2026 | $430.4M | $388.6M | $353.0M | $38.4M | $2.5M | 2.32% | 4.64% | 0.15% |
| Q4 2025 | $422.4M | $381.3M | $344.7M | $37.4M | $9.2M | 2.30% | 4.66% | 0.22% |
| Q3 2025 | $416.7M | $377.2M | $333.6M | $35.9M | $6.9M | 2.32% | 4.60% | 0.21% |
| Q2 2025 | $400.9M | $363.3M | $322.8M | $34.2M | $4.4M | 2.28% | 4.54% | 0.22% |
| Q1 2025 | $384.6M | $343.6M | $326.4M | $33.0M | $2.0M | 2.13% | 4.36% | 0.27% |
| Q4 2024 | $375.4M | $322.2M | $322.0M | $31.9M | $7.1M | 1.91% | 4.16% | 0.21% |
| Q3 2024 | $387.0M | $325.4M | $329.0M | $31.3M | $5.1M | 1.83% | 4.10% | 0.22% |
Loan mix (Q2 2026): real estate $304.9M · commercial $33.7M · consumer $26.8M · securities $16.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Coffee County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.56% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 28.4% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 62.9% | 26th |
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 | Coffee County Bank | 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 | Coffee County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Coffee County Bank | 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 | Coffee County Bank | 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 | Coffee County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 31% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
4 branches in 2 counties across 1 state (+0 vs 2025) · $384.2M branch deposits. Biggest market: Coffee, TN, ranked 2nd with 16.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Coffee, TN | 3 | $341.1M | 16.48% | 2nd |
| Warren, TN | 1 | $43.1M | 2.85% | 7th |
Tennessee: 97th with 0.13% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4