Institution Profile
Branches by Region
TN 5
Financial Overview
Total Assets
$834.87M
Total Deposits
$640.03M
Total Loans
$647.89M
Equity Capital
$89.85M
Employees
484
Allowance for Loan Losses
$3.70M
Performance Ratios
Net Worth Ratio
10.76%
Loan-to-Deposit Ratio
101.23%
Coverage Ratio
0.57% Allowance / Total Loans
Net Income
$5.82M
Return on Assets (ROA)
0.73%
Return on Equity (ROE)
6.73%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +32.09% Total Deposits: +50.79% Total Loans: +40.46% since 2020 Q1
Employee Growth
Employee Growth
Employees: +32.24% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$348.44M 53.8%
Commercial Real Estate
$121.92M 18.8%
Construction
$109.04M 16.8%
Commercial & Industrial
$32.15M 5.0%
Multifamily
$22.98M 3.5%
Farmland
$6.21M 1.0%
Other Consumer
$2.95M 0.5%
Auto Loans
$1.88M 0.3%
Credit Card
$939,000 0.1%
Agricultural
$575,000 0.1%
Municipal
$437,000 0.1%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +60.03% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $834.87M | $640.03M | $647.89M | $5.82M | 484 |
| 2025 Q3 | $807.09M | $621.03M | $614.02M | $4.28M | 520 |
| 2025 Q2 | $813.70M | $620.61M | $615.37M | $2.43M | 536 |
| 2025 Q1 | $753.64M | $602.10M | $578.10M | -$17,000 | 535 |
| 2024 Q4 | $785.65M | $581.83M | $580.79M | $2.42M | 519 |
| 2024 Q3 | $811.25M | $588.93M | $608.78M | $2.68M | 495 |
| 2024 Q2 | $823.76M | $626.98M | $626.17M | $3.16M | 609 |
| 2024 Q1 | $794.87M | $595.87M | $585.03M | $363,000 | 599 |
| 2023 Q4 | $789.75M | $577.68M | $593.63M | -$8.91M | 541 |
| 2023 Q3 | $766.19M | $559.38M | $583.40M | -$6.21M | 528 |
| 2023 Q2 | $851.47M | $608.02M | $654.63M | -$3.81M | 502 |
| 2023 Q1 | $818.27M | $619.40M | $588.65M | -$782,000 | 491 |
| 2022 Q4 | $783.71M | $594.36M | $569.32M | $639,000 | 512 |
| 2022 Q3 | $774.57M | $578.23M | $544.66M | $5.17M | 512 |
| 2022 Q2 | $762.85M | $539.43M | $529.58M | $3.56M | 464 |
| 2022 Q1 | $737.16M | $538.60M | $483.26M | $5.13M | 468 |
| 2021 Q4 | $748.34M | $526.72M | $515.98M | $18.62M | 466 |
| 2021 Q3 | $771.75M | $529.58M | $555.05M | $17.46M | 542 |
| 2021 Q2 | $793.31M | $530.05M | $579.60M | $14.74M | 550 |
| 2021 Q1 | $841.70M | $532.34M | $620.97M | $11.19M | 553 |
| 2020 Q4 | $809.64M | $526.49M | $615.67M | $38.02M | 428 |
| 2020 Q3 | $813.78M | $503.95M | $614.91M | $34.52M | 441 |
| 2020 Q2 | $729.09M | $492.63M | $509.38M | $18.73M | 389 |
| 2020 Q1 | $632.05M | $424.45M | $461.27M | $3.63M | 366 |