Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

COMMERCIAL BANK

FDIC #22354 · TN · period 20260630

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Total assets1,210,054-4.45% YoY

Total deposits1,001,412-6.23% YoY

Net loans and leases904,962-5.77% YoY

Return on assets1.29%+8.75% YoY

Return on equity13.37%+5.86% YoY

Net interest margin4.22%+14.22% YoY

Peer position

Return on assets83rdstrength · n=902

Return on equity81ststrength · n=894

Net interest margin62ndin line · n=902

Equity to assets62ndin line · n=894

Noncurrent loans65thin line · n=887

Liquid assets14thopportunity · n=895

Brokered deposits43rdin line · n=890

Loans to deposits14thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2018-03-31	1,210,054	1,001,412	904,962	1.29	13.37	4.22
2018-06-30	1,189,456	1,005,533	921,477	1.18	12.30	4.11
2018-09-30	1,206,109	1,004,679	926,518	1.29	13.45	4.20
2018-12-31	1,280,405	1,089,457	970,321	1.25	13.14	4.12
2019-03-31	1,266,428	1,067,985	960,333	1.19	12.63	3.70
2019-06-30	1,294,778	1,066,682	1,021,979	1.27	13.39	3.81
2019-09-30	1,328,050	1,070,704	1,037,148	1.25	13.09	3.77
2019-12-31	1,285,083	1,072,585	1,029,134	1.31	13.49	3.81
2020-03-31	1,496,200	1,255,364	1,171,070	1.41	14.30	4.04
2020-06-30	1,566,423	1,310,246	1,208,699	1.28	13.20	3.95
2020-09-30	1,557,306	1,296,068	1,197,347	1.22	12.57	3.80
2020-12-31	1,612,835	1,351,321	1,233,588	1.23	12.62	3.67
2021-03-31	1,672,751	1,425,951	1,184,485	1.29	13.55	3.36
2021-06-30	1,652,999	1,404,144	1,186,263	1.33	13.83	3.46
2021-09-30	1,705,588	1,444,373	1,154,286	1.33	13.79	3.45
2021-12-31	1,711,504	1,448,890	1,194,312	1.28	13.11	3.37
2022-03-31	1,719,378	1,454,077	1,262,182	1.24	12.45	3.28
2022-06-30	1,693,189	1,408,076	1,252,795	1.37	13.52	3.37
2022-09-30	1,762,608	1,453,412	1,271,274	1.44	14.18	3.50
2022-12-31	1,734,819	1,420,929	1,317,600	1.57	15.31	3.68
2023-03-31	1,775,953	1,440,165	1,340,646	2.07	20.29	4.23
2023-06-30	1,826,048	1,438,312	1,395,795	1.90	18.85	4.12
2023-09-30	1,906,941	1,574,035	1,420,376	1.81	18.13	4.01
2023-12-31	1,928,073	1,601,635	1,453,593	1.80	18.04	3.97
2024-03-31	1,935,302	1,604,950	1,472,039	1.71	16.79	3.69
2024-06-30	1,961,352	1,608,022	1,506,570	1.73	16.97	3.71
2024-09-30	2,230,200	1,894,301	1,718,752	1.74	16.84	3.79
2024-12-31	2,277,375	1,939,717	1,776,137	1.67	16.13	3.83
2025-03-31	2,245,139	1,902,775	1,764,577	1.60	15.05	3.77
2025-06-30	2,238,247	1,851,306	1,760,743	1.70	15.71	3.86
2025-09-30	2,189,861	1,780,671	1,736,648	1.74	15.68	3.93
2025-12-31	2,268,810	1,856,788	1,843,017	1.77	16.05	3.94
2026-03-31	2,307,886	1,926,860	1,861,609	1.81	16.88	3.84
2026-06-30	2,355,536	1,905,956	1,909,767	1.82	16.72	3.89

Structure and branch footprint

40 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2024-07-01	1	3276543	497039
2020-02-01	1	717513	497039
2018-01-01	1	898533	497039
2016-04-18	1	960430	497039
2008-09-06	1	796415	497039
2001-11-01	1	456773	497039
1986-04-23	50	34733	497039

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.