Tnbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tnbank of Oak Ridge, 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 | 0.79% | 1.34% | -0.55% | 22nd bottom |
| ROAE | 9.05% | 13.32% | -4.27% | 31st below |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 69.09% | 61.14% | +7.95% | 30th below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 5.83% | 5.67% | +0.16% | 60th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.88% | -0.02% | 46th below |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.69% | 0.94% | +0.75% | 16th bottom |
| NPA / Total Assets | 1.25% | 0.70% | +0.55% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 23rd bottom |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 68.59% | 1539.17% | -1470.58% | 18th bottom |
| Texas Ratio | 13.16% | 7.33% | +5.83% | 15th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 543.24% | 1395.89% | -852.65% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.31% | 19.51% | -7.20% | 21st bottom |
| Tier 1 Ratio | 12.31% | 19.54% | -7.23% | 20th bottom |
| Total Capital Ratio | 13.35% | 20.62% | -7.27% | 20th bottom |
| Leverage Ratio | 10.61% | 12.14% | -1.53% | 44th below |
| Equity / Assets | 8.61% | 11.38% | -2.77% | 21st bottom |
| TCE / Tangible Assets | 8.61% | 11.09% | -2.48% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.84% | 80.64% | +4.20% | 41st below |
| Core Deposit Ratio | 90.04% | 86.86% | +3.18% | 55th above |
| Wholesale Funding Ratio | 2.88% | 5.03% | -2.15% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.44% | 6.85% | +4.59% | 87th top |
| Loan Growth (Y/Y) | 9.09% | 7.90% | +1.19% | 70th above |
| Deposit Growth (Y/Y) | 11.67% | 6.29% | +5.38% | 87th top |
See Tnbank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tnbank, 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 Tnbank profile, how to read a UBPR, or how this data updates.