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Coffee County Bank

$100M-$1B Specialty: Commercial TN FDIC cert 22090

Manchester, TN

4 branches across TN

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 +5.7% year over year ($384.2M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 2.56%.
  • Efficiency ratio 54.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.44% 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) →

Coffee County Bank shows strong momentum with 5 strengths and 6.7% YoY asset growth

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

  • + Revenue Diversifier: Top 8.6% in tier
  • + Profitability Leader: Top 20.4% in tier
  • + Net Interest Margin 0.84% above tier average
  • + Efficiency Ratio 9.59% below tier average
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Coffee County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $427.6M
+6.7% YoY -0.7% QoQ
+$41.0M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $362.8M
+12.4% YoY +2.8% QoQ
+$104.4M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $384.2M
+5.7% YoY -1.1% QoQ
+$57.4M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 2.56%
+12.6% YoY +10.6% QoQ
+1.24% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 4.1% in tier
Net Interest Margin ? 4.83%
+6.5% YoY +4.1% QoQ
+0.84% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 11.3% in tier
Efficiency Ratio ? 54.88%
-3.4% YoY -2.9% QoQ
-9.59% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.19%
-32.3% YoY +3.9% QoQ
-0.73% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 94.44%
+6.3% YoY +4.0% QoQ
+16.49% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 21.40%
+1.2% YoY +5.8% QoQ
-0.63% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 0.16%
-28.7% YoY +7.5% QoQ
-0.51% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 11.78%
+0.9% YoY -1.5% QoQ
-4.13% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.72%
+16.7% YoY +121.7% QoQ
+0.16% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 5.5% in tier

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 21.4%
+0.2pp YoY
+1.2pp QoQ
 -0.7pp 22.1% 18.8% 22.2% 51%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 9.4% 8.5% 3%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 9.3%
+0.7pp YoY
-0.2pp QoQ
 -2.3pp 11.6% 10.9% 12.5% 48%
CRE 36.3%
+1.1pp YoY
+0.6pp QoQ
 -3.2pp 39.5% 42.4% 41.4% 46%
1-4 Family 40.1%
-1.3pp YoY
+0.2pp QoQ
 +7.5pp 32.6% 39.8% 31.3% 70%
Consumer 7.4%
-0.2pp YoY
-0.2pp QoQ
 +3.3pp 4.1% 4.5% 5.0% 87%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.1pp YoY
-0.2pp QoQ
 -7.0pp 18.8% 14.8% 19.7% 15%
Leverage Ratio 9.6%
+0.4pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 11.4% 12.6% 24%
Total Capital Ratio 13.0%
+0.1pp YoY
-0.2pp QoQ
 -6.9pp 19.9% 15.9% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 84
+8 (+10.5%) YoY
+1 (+1.2%) QoQ
 +25 58 270 482 79%
Assets per Employee ($) $5.1M
-3.5% YoY
-1.8% QoQ
 -$2.4M $7.5M $7.1M $8.8M 16%
Branch Count 4
0 YoY
0 QoQ
 -1 4 17 18 42%

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 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 28%
Allowance Coverage 7.21x
+59.4% YoY
-1.9% QoQ
 -16.94x 24.15x 28.97x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 28.4%
+1.8pp YoY
+2.4pp QoQ
 +16.3pp 12.2% 10.9% 11.6% 98%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 1.7% 2.0% 1.7% 72%
Net Income ($, YTD) $5.5M
+24.2% YoY
— QoQ
 +$2.9M $2.6M $16.7M $40.4M 90%

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 (2)

Revenue Diversifier

growth
#58 of 661 • Top 8.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.72%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.56%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#136 of 661 • Top 20.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.56%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

109
Return on Assets
profitability
Value: 2.56%
Peer Median: 1.32%
#109 of 2643 Top 4.1% in $100M-$1B
146
Non-Interest Income / Assets
revenue_mix
Value: 0.72%
Peer Median: 0.57%
#146 of 2643 Top 5.5% in $100M-$1B
299
Net Interest Margin
profitability
Value: 4.83%
Peer Median: 3.99%
#299 of 2643 Top 11.3% in $100M-$1B
653
Total Loans
size
Value: $362.79M
Peer Median: $258.35M
#653 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (1 metrics)

2189
Loan-to-Deposit Ratio
liquidity
Value: 94.44%
Peer Median: 77.95%
#2189 of 2643 Bottom 17.2% in $100M-$1B
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