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Bank3

$100M-$1B Specialty: Commercial TN FDIC cert 15205

Designations: ✓ CDFI-certified

Memphis, TN

6 branches across TN · MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +14.1% year over year ($433.8M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.42%.
  • Efficiency ratio 83.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Bank3 has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 3.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 8.0% in tier
  • - Credit Quality Pressure: Bottom 8.9% in tier
  • - Liquidity Strain: Bottom 25.6% in tier
  • - ROA 0.91% below tier average
  • - Net Interest Margin 0.86% below tier average
  • - Efficiency Ratio 19.31% above tier average
Get updates when Bank3 releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $491.8M
+7.3% YoY +0.1% QoQ
+$105.2M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $409.3M
+3.8% YoY -0.1% QoQ
+$150.9M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $433.8M
+14.1% YoY +1.6% QoQ
+$107.1M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 0.42%
+119.0% YoY +12.5% QoQ
-0.91% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Bottom 10.1% in tier
Net Interest Margin ? 3.13%
+8.6% YoY +2.3% QoQ
-0.86% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Bottom 13.8% in tier
Efficiency Ratio ? 83.79%
-7.5% YoY +0.7% QoQ
+19.31% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Bottom 10.1% in tier
Delinquency Rate ? 0.05%
+368.9% YoY -48.3% QoQ
-0.86% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 94.34%
-9.0% YoY -1.7% QoQ
+16.39% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 12.81%
+10.7% YoY +1.1% QoQ
-9.22% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.04%
+353.5% YoY -48.4% QoQ
-0.62% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 11.70%
-3.0% YoY -0.2% QoQ
-4.21% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.22%
+3.5% YoY +90.9% QoQ
-0.34% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
57%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 12.8%
+1.2pp YoY
+0.1pp QoQ
 -9.3pp 22.1% 18.8% 22.2% 16%
Brokered Deposits 21.5%
+1.8pp YoY
-1.1pp QoQ
 +13.7pp 7.9% 9.4% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 33.3%
+3.4pp YoY
+0.7pp QoQ
 +21.7pp 11.6% 10.9% 12.5% 97%
CRE 46.4%
-1.8pp YoY
-0.1pp QoQ
 +6.9pp 39.5% 42.4% 41.4% 64%
1-4 Family 19.6%
-1.0pp YoY
0.0pp QoQ
 -13.0pp 32.6% 39.8% 31.3% 29%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -3.6pp 4.1% 4.5% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 11.7%
-0.4pp YoY
0.0pp QoQ
 -7.1pp 18.8% 14.8% 19.7% 14%
Leverage Ratio 11.0%
-0.6pp YoY
-0.1pp QoQ
 -1.2pp 12.2% 11.4% 12.6% 50%
Total Capital Ratio 12.7%
-0.4pp YoY
0.0pp QoQ
 -7.2pp 19.9% 15.9% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 68
+1 (+1.5%) YoY
+2 (+3.0%) QoQ
 +9 58 270 482 69%
Assets per Employee ($) $7.2M
+5.7% YoY
-2.8% QoQ
 -$286K $7.5M $7.1M $8.8M 56%
Branch Count 6
0 YoY
0 QoQ
 +1 4 17 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 12%
Allowance Coverage 20.42x
-79.6% YoY
+95.6% QoQ
 -3.74x 24.15x 28.97x 20.23x 89%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 4.0%
+2.3pp YoY
+0.4pp QoQ
 -8.2pp 12.2% 10.9% 11.6% 10%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 2.0% 1.7% 90%
Net Income ($, YTD) $1.0M
+140.7% YoY
— QoQ
 -$1.5M $2.6M $16.7M $40.4M 27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#24 of 659 • Top 3.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (3)

Credit Risk Growth

risk
#76 of 936 • Bottom 8.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#113 of 1256 • Bottom 8.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#178 of 691 • Bottom 25.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.34%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

525
Total Loans
size
Value: $409.27M
Peer Median: $258.35M
#525 of 2643 Top 19.8% in $100M-$1B
545
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#545 of 2643 Top 20.6% in $100M-$1B
564
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#564 of 2633 Top 21.4% in $100M-$1B

Top Weaknesses (5 metrics)

2378
Efficiency Ratio
profitability
Value: 83.79%
Peer Median: 64.48%
#2378 of 2643 Bottom 10.1% in $100M-$1B
2376
Return on Assets
profitability
Value: 0.42%
Peer Median: 1.32%
#2376 of 2643 Bottom 10.1% in $100M-$1B
2280
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2280 of 2643 Bottom 13.8% in $100M-$1B
2202
Non-Interest-Bearing Deposit Share
funding
Value: 12.81%
Peer Median: 22.03%
#2202 of 2643 Bottom 16.7% in $100M-$1B
2185
Loan-to-Deposit Ratio
liquidity
Value: 94.34%
Peer Median: 77.95%
#2185 of 2643 Bottom 17.4% in $100M-$1B
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