Coffee County 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.
Reserve coverage of non-performing loans climbed 56.35 percentage points in Q2 2026, from 256.76% to 313.10%. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Coffee County Bank sits 2nd from the top on return on assets, 2.79% as of Q2 2026. Coffee County Bank's return on assets of 2.79% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.53 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 9.27% |
| Tangible equity to tangible assets | 9.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 3.50% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 313.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.79% |
| Return on equity | 30.78% |
| Net interest margin | 4.97% |
| Efficiency ratio | 53.38% |
| Yield on earning assets | 6.96% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.71% |
| Core deposits to total deposits | 82.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.84% |
| Securities to assets | 3.87% |
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 | 10.99% | 10.99% | 12.24% | 9.71% | 2.31% |
| Q4 2023 | 11.11% | 11.11% | 12.36% | 9.64% | 2.33% |
| Q1 2024 | 10.84% | 10.84% | 12.09% | 9.28% | 1.51% |
| Q2 2024 | 10.82% | 10.82% | 12.07% | 9.39% | 1.94% |
| Q3 2024 | 10.80% | 10.80% | 12.05% | 9.27% | 2.33% |
| Q4 2024 | 11.30% | 11.30% | 12.55% | 9.33% | 2.18% |
| Q1 2025 | 11.32% | 11.32% | 12.57% | 9.40% | 2.16% |
| Q2 2025 | 11.68% | 11.68% | 12.93% | 9.26% | 2.43% |
| Q3 2025 | 11.83% | 11.83% | 13.08% | 9.24% | 2.41% |
| Q4 2025 | 11.81% | 11.81% | 13.06% | 9.36% | 2.21% |
| Q1 2026 | 11.96% | 11.96% | 13.22% | 9.45% | 2.32% |
| Q2 2026 | 11.78% | 11.78% | 13.04% | 9.65% | 2.79% |
Coffee County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Coffee County 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 Coffee County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22090) · FFIEC NIC profile (RSSD 211338)