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Regulatory profile
Harrogate, TN · FDIC certificate #22354 · RSSD 497039
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $2.4B | $1.9B | $1.9B | 1.82% | 16.72% | 3.89% |
| 2026-03-31 | $2.3B | $1.9B | $1.9B | 1.81% | 16.88% | 3.84% |
| 2025-12-31 | $2.3B | $1.9B | $1.8B | 1.77% | 16.05% | 3.94% |
| 2025-09-30 | $2.2B | $1.8B | $1.7B | 1.74% | 15.68% | 3.93% |
| 2025-06-30 | $2.2B | $1.9B | $1.8B | 1.70% | 15.71% | 3.86% |
| 2025-03-31 | $2.2B | $1.9B | $1.8B | 1.60% | 15.05% | 3.77% |
| 2024-12-31 | $2.3B | $1.9B | $1.8B | 1.67% | 16.13% | 3.83% |
| 2024-09-30 | $2.2B | $1.9B | $1.7B | 1.74% | 16.84% | 3.79% |
| 2024-06-30 | $2.0B | $1.6B | $1.5B | 1.73% | 16.97% | 3.71% |
| 2024-03-31 | $1.9B | $1.6B | $1.5B | 1.71% | 16.79% | 3.69% |
| 2023-12-31 | $1.9B | $1.6B | $1.5B | 1.80% | 18.04% | 3.97% |
| 2023-09-30 | $1.9B | $1.6B | $1.4B | 1.81% | 18.13% | 4.01% |
| 2023-06-30 | $1.8B | $1.4B | $1.4B | 1.90% | 18.85% | 4.12% |
| 2023-03-31 | $1.8B | $1.4B | $1.3B | 2.07% | 20.29% | 4.23% |
| 2022-12-31 | $1.7B | $1.4B | $1.3B | 1.57% | 15.31% | 3.68% |
| 2022-09-30 | $1.8B | $1.5B | $1.3B | 1.44% | 14.18% | 3.50% |
| 2022-06-30 | $1.7B | $1.4B | $1.3B | 1.37% | 13.52% | 3.37% |
| 2022-03-31 | $1.7B | $1.5B | $1.3B | 1.24% | 12.45% | 3.28% |
| 2021-12-31 | $1.7B | $1.4B | $1.2B | 1.28% | 13.11% | 3.37% |
| 2021-09-30 | $1.7B | $1.4B | $1.2B | 1.33% | 13.79% | 3.45% |
| 2021-06-30 | $1.7B | $1.4B | $1.2B | 1.33% | 13.83% | 3.46% |
| 2021-03-31 | $1.7B | $1.4B | $1.2B | 1.29% | 13.55% | 3.36% |
| 2020-12-31 | $1.6B | $1.4B | $1.2B | 1.23% | 12.62% | 3.67% |
| 2020-09-30 | $1.6B | $1.3B | $1.2B | 1.22% | 12.57% | 3.80% |
| 2020-06-30 | $1.6B | $1.3B | $1.2B | 1.28% | 13.20% | 3.95% |
| 2020-03-31 | $1.5B | $1.3B | $1.2B | 1.41% | 14.30% | 4.04% |
| 2019-12-31 | $1.3B | $1.1B | $1.0B | 1.31% | 13.49% | 3.81% |
| 2019-09-30 | $1.3B | $1.1B | $1.0B | 1.25% | 13.09% | 3.77% |
| 2019-06-30 | $1.3B | $1.1B | $1.0B | 1.27% | 13.39% | 3.81% |
| 2019-03-31 | $1.3B | $1.1B | $1.0B | 1.19% | 12.63% | 3.70% |
| 2018-12-31 | $1.3B | $1.1B | $1.0B | 1.25% | 13.14% | 4.12% |
| 2018-09-30 | $1.2B | $1.0B | $0.9B | 1.29% | 13.45% | 4.20% |
| 2018-06-30 | $1.2B | $1.0B | $0.9B | 1.18% | 12.30% | 4.11% |
| 2018-03-31 | $1.2B | $1.0B | $0.9B | 1.29% | 13.37% | 4.22% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1080652 · 1995-09-29 to current
Unmatched RSSD entityRSSD 1080652 · 1984-12-31 to 1995-09-28
Unmatched RSSD entityRSSD 1080652 · 1978-09-07 to 1984-12-30
2024-07-01RSSD 3276543 → 497039 · code 1
2020-02-01RSSD 717513 → 497039 · code 1
2018-01-01RSSD 898533 → 497039 · code 1
2016-04-18RSSD 960430 → 497039 · code 1
2008-09-06RSSD 796415 → 497039 · code 1
2001-11-01RSSD 456773 → 497039 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.