| Metric | TNBANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.1 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.7 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 0.72% | 1.24% | -0.5 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.1M | $277.0M | $232.3M | $27.4M | $1.1M | 0.72% | 4.01% | 0.99% |
| Q1 2026 | $310.9M | $271.8M | $221.8M | $26.3M | $509K | 0.66% | 3.86% | 0.85% |
| Q4 2025 | $301.5M | $258.8M | $222.5M | $26.6M | $3.2M | 1.08% | 4.26% | 1.05% |
| Q3 2025 | $301.9M | $261.9M | $218.0M | $25.6M | $2.5M | 1.14% | 4.28% | 1.04% |
| Q2 2025 | $285.4M | $248.1M | $212.9M | $24.3M | $1.5M | 1.05% | 4.21% | 1.16% |
| Q1 2025 | $297.4M | $257.8M | $215.3M | $24.2M | $815K | 1.11% | 4.09% | 1.06% |
| Q4 2024 | $288.3M | $250.1M | $212.2M | $23.7M | $2.9M | 0.96% | 4.04% | 1.29% |
| Q3 2024 | $300.2M | $263.5M | $209.3M | $24.4M | $2.1M | 0.94% | 4.02% | 0.70% |
Loan mix (Q2 2026): real estate $221.2M · commercial $12.9M · consumer $797K · securities $42.8M
| Ratio | TNBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 62.9% | 72th |
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 | TNBANK | 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 | TNBANK | 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 | TNBANK | 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 | TNBANK | 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.