| Metric | One Bank of Tennessee | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.4 pts |
| Deposit growth (YoY) | -0.4% | +5.1% | -5.5 pts |
| Loan growth (YoY) | +1.4% | +5.9% | -4.5 pts |
| ROA | 2.16% | 1.26% | +0.9 pts |
| ROE | 24.8% | 12.2% | +12.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.67B | $1.49B | $1.09B | $146.5M | $18.0M | 2.16% | 4.19% | 0.01% |
| Q1 2026 | $1.67B | $1.49B | $1.09B | $144.9M | $8.6M | 2.06% | 4.12% | 0.00% |
| Q4 2025 | $1.66B | $1.48B | $1.06B | $145.0M | $33.7M | 2.04% | 3.88% | 0.01% |
| Q3 2025 | $1.67B | $1.49B | $1.07B | $135.4M | $23.1M | 1.87% | 3.80% | 0.01% |
| Q2 2025 | $1.65B | $1.49B | $1.08B | $124.3M | $14.8M | 1.80% | 3.71% | 0.07% |
| Q1 2025 | $1.66B | $1.51B | $1.05B | $115.2M | $6.6M | 1.61% | 3.55% | 0.05% |
| Q4 2024 | $1.63B | $1.48B | $1.03B | $109.0M | $24.5M | 1.55% | 3.13% | 0.05% |
| Q3 2024 | $1.61B | $1.47B | $1.02B | $107.3M | $15.0M | 1.27% | 3.03% | 0.04% |
Loan mix (Q2 2026): real estate $1.04B · commercial $36.0M · consumer $22.3M · securities $354.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | One Bank of Tennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 24.8% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 59.0% | 21th |
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 | One Bank of Tennessee | 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 | One Bank of Tennessee | 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 | One Bank of Tennessee | 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 | One Bank of Tennessee | 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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