Banktennessee: 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.
Reserve coverage of non-performing loans dropped 13.03 percentage points in Q2 2026, from 119.63% to 106.60%. It was the largest change from Q1 2026 among the key lines here. Banktennessee ranks 53rd of 109 Tennessee banks on return on assets, in the upper half at 1.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Banktennessee sits 0.14 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.05% |
| Tier 1 risk-based capital ratio | 12.05% |
| Total risk-based capital ratio | 13.30% |
| Tier 1 leverage ratio | 9.73% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 9.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.20% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.32% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 106.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 11.37% |
| Net interest margin | 3.80% |
| Efficiency ratio | 67.18% |
| Yield on earning assets | 6.12% |
| Cost of funds | 2.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.87% |
| Core deposits to total deposits | 90.46% |
| Brokered deposits to total deposits | 0.27% |
| Deposits to assets | 87.02% |
| Securities to assets | 4.35% |
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 | 9.67% | 9.67% | 10.92% | 8.57% | 1.20% |
| Q4 2023 | 9.99% | 9.99% | 11.24% | 8.60% | 1.30% |
| Q1 2024 | 10.48% | 10.48% | 11.73% | 8.69% | 1.51% |
| Q2 2024 | 10.48% | 10.48% | 11.74% | 8.75% | 1.16% |
| Q3 2024 | 10.61% | 10.61% | 11.86% | 8.87% | 0.76% |
| Q4 2024 | 10.87% | 10.87% | 12.12% | 8.97% | 0.79% |
| Q1 2025 | 11.22% | 11.22% | 12.47% | 9.16% | 1.30% |
| Q2 2025 | 11.51% | 11.51% | 12.76% | 9.30% | 0.98% |
| Q3 2025 | 11.67% | 11.67% | 12.92% | 9.39% | 1.15% |
| Q4 2025 | 11.76% | 11.76% | 13.01% | 9.58% | 1.05% |
| Q1 2026 | 12.01% | 12.01% | 13.26% | 9.71% | 1.07% |
| Q2 2026 | 12.05% | 12.05% | 13.30% | 9.73% | 1.12% |
Banktennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banktennessee, 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 Banktennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29177) · FFIEC NIC profile (RSSD 831576)