Institution Profile
Website:
FDIC Profile:
Established:
7/1/1919
Branches:
8
Branches by Region
TN 8
Financial Overview
Total Assets
$772.15M
Total Deposits
$706.29M
Total Loans
$480.28M
Equity Capital
$58.95M
Employees
109
Allowance for Loan Losses
$4.34M
Performance Ratios
Net Worth Ratio
7.63%
Loan-to-Deposit Ratio
68.00%
Coverage Ratio
0.90% Allowance / Total Loans
Net Income
$8.38M
Return on Assets (ROA)
1.14%
Return on Equity (ROE)
16.29%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +78.51% Total Deposits: +91.33% Total Loans: +149.83% since 2020 Q1
Employee Growth
Employee Growth
Employees: +4.81% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$146.35M 30.5%
Construction
$97.17M 20.2%
Commercial Real Estate
$86.09M 17.9%
Commercial & Industrial
$56.66M 11.8%
Farmland
$48.70M 10.1%
Multifamily
$21.08M 4.4%
Other Consumer
$9.29M 1.9%
Auto Loans
$8.12M 1.7%
Agricultural
$5.37M 1.1%
Municipal
$1.30M 0.3%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +1032.30% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $772.15M | $706.29M | $480.28M | $8.38M | 109 |
| 2025 Q3 | $747.58M | $683.00M | $459.18M | $6.08M | 105 |
| 2025 Q2 | $723.48M | $666.01M | $439.59M | $3.87M | 102 |
| 2025 Q1 | $732.88M | $675.54M | $425.89M | $1.70M | 100 |
| 2024 Q4 | $710.14M | $647.89M | $414.78M | $6.20M | 108 |
| 2024 Q3 | $716.49M | $649.22M | $400.32M | $4.08M | 104 |
| 2024 Q2 | $701.26M | $642.27M | $391.50M | $2.50M | 107 |
| 2024 Q1 | $697.20M | $640.87M | $373.50M | $1.14M | 107 |
| 2023 Q4 | $670.99M | $614.87M | $363.20M | $4.69M | 107 |
| 2023 Q3 | $651.80M | $593.48M | $346.85M | $3.52M | 108 |
| 2023 Q2 | $635.62M | $578.67M | $329.40M | $2.37M | 108 |
| 2023 Q1 | $623.52M | $580.59M | $299.31M | $1.06M | 104 |
| 2022 Q4 | $590.03M | $535.60M | $285.53M | $5.20M | 104 |
| 2022 Q3 | $569.50M | $528.37M | $266.31M | $3.80M | 105 |
| 2022 Q2 | $573.77M | $532.07M | $248.35M | $2.25M | 104 |
| 2022 Q1 | $595.52M | $533.05M | $236.40M | $964,000 | 103 |
| 2021 Q4 | $586.51M | $516.68M | $240.35M | $4.65M | 103 |
| 2021 Q3 | $571.34M | $500.01M | $235.45M | $3.46M | 104 |
| 2021 Q2 | $569.47M | $496.52M | $210.96M | $1.74M | 105 |
| 2021 Q1 | $554.63M | $486.88M | $209.38M | $619,000 | 104 |
| 2020 Q4 | $492.90M | $423.92M | $200.57M | $2.86M | 104 |
| 2020 Q3 | $483.39M | $414.63M | $201.89M | $2.03M | 103 |
| 2020 Q2 | $471.17M | $399.47M | $196.86M | $1.42M | 103 |
| 2020 Q1 | $432.55M | $369.15M | $192.24M | $740,000 | 104 |