Andrew Johnson Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 65.54 percentage points higher than in Q1 2026, at 162.40%. Andrew Johnson Bank ranks 30th of 109 Tennessee banks on return on assets, in the upper half at 1.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Andrew Johnson Bank sits 0.35 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.10% |
| Tier 1 risk-based capital ratio | 16.10% |
| Total risk-based capital ratio | 17.36% |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 10.16% |
| Tangible equity to tangible assets | 10.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.40% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | 162.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 16.36% |
| Net interest margin | 4.36% |
| Efficiency ratio | 52.38% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.07% |
| Core deposits to total deposits | 92.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.22% |
| Securities to assets | 15.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 14.97% | 10.08% | 1.15% |
| Q4 2023 | 13.90% | 13.90% | 15.15% | 10.12% | 0.92% |
| Q1 2024 | 14.09% | 14.09% | 15.35% | 9.94% | 0.92% |
| Q2 2024 | 14.20% | 14.20% | 15.46% | 9.90% | 1.03% |
| Q3 2024 | 14.44% | 14.44% | 15.69% | 9.93% | 1.04% |
| Q4 2024 | 14.74% | 14.74% | 15.99% | 10.16% | 1.19% |
| Q1 2025 | 14.83% | 14.83% | 16.08% | 10.30% | 1.27% |
| Q2 2025 | 14.80% | 14.80% | 16.06% | 10.29% | 1.36% |
| Q3 2025 | 15.22% | 15.22% | 16.47% | 10.36% | 1.37% |
| Q4 2025 | 15.72% | 15.72% | 16.97% | 10.58% | 1.21% |
| Q1 2026 | 16.07% | 16.07% | 17.33% | 10.70% | 1.45% |
| Q2 2026 | 16.10% | 16.10% | 17.36% | 11.24% | 1.60% |
Andrew Johnson Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Andrew Johnson Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Andrew Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22015) · FFIEC NIC profile (RSSD 361439)