Southern Bank of Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Bank of Tennessee of Mount Juliet, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.78% | 1.34% | -0.56% | 22nd bottom |
| ROAE | 8.26% | 13.32% | -5.06% | 27th below |
| Net Interest Margin | 3.92% | 3.93% | -0.01% | 49th below |
| Efficiency Ratio | 69.46% | 61.14% | +8.32% | 29th below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 31st below |
| Yield on Earning Assets | 6.45% | 5.67% | +0.78% | 86th top |
| Cost of Funds | 2.71% | 1.88% | +0.83% | 10th bottom |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans | 0.34% | 0.16% | +0.18% | 8th bottom |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 16th bottom |
| ACL / NPLs (Coverage) | 2332.21% | 1538.22% | +793.99% | — |
| Texas Ratio | 0.37% | 7.33% | -6.96% | 82nd top |
| Provision / NCO | 94.21% | 1396.51% | -1302.30% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.01% | 12.14% | -3.13% | 12th bottom |
| Equity / Assets | 9.13% | 11.38% | -2.25% | 29th below |
| TCE / Tangible Assets | 8.72% | 11.09% | -2.37% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.02% | 80.64% | +3.38% | 43rd below |
| Core Deposit Ratio | 75.10% | 86.87% | -11.77% | 9th bottom |
| Wholesale Funding Ratio | 1.87% | 5.04% | -3.17% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.62% | 6.85% | +5.77% | 88th top |
| Loan Growth (Y/Y) | 7.99% | 7.90% | +0.09% | 65th above |
| Deposit Growth (Y/Y) | 13.52% | 6.28% | +7.24% | 89th top |
See Southern Bank of Tennessee's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Bank of Tennessee, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern Bank of Tennessee profile, how to read a UBPR, or how this data updates.