| Metric | Tennessee State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.6 pts |
| ROA | 1.21% | 1.28% | -0.1 pts |
| ROE | 14.0% | 12.4% | +1.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $990.8M | $885.0M | $710.1M | $85.2M | $5.9M | 1.21% | 4.29% | 0.08% |
| Q1 2026 | $956.1M | $850.9M | $685.3M | $84.1M | $3.0M | 1.24% | 4.31% | 0.01% |
| Q4 2025 | $982.0M | $875.3M | $704.8M | $84.0M | $11.3M | 1.17% | 4.22% | 0.02% |
| Q3 2025 | $995.1M | $891.6M | $656.9M | $82.4M | $8.2M | 1.14% | 4.19% | 0.02% |
| Q2 2025 | $964.9M | $866.5M | $657.6M | $78.9M | $5.2M | 1.10% | 4.17% | 0.02% |
| Q1 2025 | $944.9M | $849.3M | $656.4M | $76.9M | $2.4M | 1.04% | 4.09% | 0.04% |
| Q4 2024 | $932.3M | $840.0M | $652.9M | $74.5M | $11.1M | 1.14% | 3.95% | 0.01% |
| Q3 2024 | $964.1M | $854.9M | $645.4M | $78.0M | $8.6M | 1.17% | 3.88% | 0.01% |
Loan mix (Q2 2026): real estate $665.0M · commercial $7.6M · consumer $44.9M · securities $164.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Tennessee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 61.2% | 74th |
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 | Tennessee State 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 | Tennessee State 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 | Tennessee State 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 | Tennessee State Bank | 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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