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Bank of Gleason

$100M-$1B Specialty: Other TN FDIC cert 2379

Gleason, TN

2 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 +6.0% year over year ($113.2M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.19%.
  • Efficiency ratio 58.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.05% 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) →

Bank of Gleason has 2 strengths but faces 4 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

  • + Efficiency Ratio 5.56% below tier average
  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.1% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.13% below tier average
  • - Net Interest Margin 0.08% below tier average
Get updates when Bank of Gleason releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $138.5M
+6.9% YoY +3.1% QoQ
-$248.1M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Bottom 10.7% in tier
Total Loans ? $80.4M
+13.3% YoY +5.3% QoQ
-$177.9M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Bottom 10.6% in tier
Total Deposits ? $113.2M
+6.0% YoY +2.7% QoQ
-$213.5M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Bottom 9.6% in tier
Return on Assets ? 1.19%
+24.0% YoY +17.4% QoQ
-0.13% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 3.91%
+8.3% YoY +1.7% QoQ
-0.08% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 58.92%
-8.5% YoY +1.9% QoQ
-5.56% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.14%
-31.8% YoY +31.1% QoQ
-0.77% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 71.05%
+6.9% YoY +2.6% QoQ
-6.90% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 21.17%
+0.4% YoY +2.8% QoQ
-0.86% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.39%
-13.3% YoY -8.2% QoQ
-0.28% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 33.72%
-2.3% YoY -1.0% QoQ
+17.81% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 2.9% in tier
Non-Interest Income / Assets ? 0.04%
-37.3% YoY +84.9% QoQ
-0.52% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Bottom 4.7% 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 21.2%
+0.1pp YoY
+0.6pp QoQ
 -1.0pp 22.1% 18.8% 22.2% 50%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 20.1%
-2.0pp YoY
-1.0pp QoQ
 +8.5pp 11.6% 10.9% 12.5% 88%
CRE 11.8%
-0.4pp YoY
-0.2pp QoQ
 -27.8pp 39.5% 42.4% 41.4% 7%
1-4 Family 42.3%
+2.0pp YoY
+0.7pp QoQ
 +9.6pp 32.6% 39.8% 31.3% 73%
Consumer 12.1%
-1.4pp YoY
-0.5pp QoQ
 +8.0pp 4.1% 4.5% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 33.7%
-0.8pp YoY
-0.3pp QoQ
 +14.9pp 18.8% 14.8% 19.7% 95%
Leverage Ratio 20.9%
-0.5pp YoY
-0.3pp QoQ
 +8.7pp 12.2% 11.4% 12.6% 97%
Total Capital Ratio 34.7%
-0.8pp YoY
-0.4pp QoQ
 +14.7pp 19.9% 15.9% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 24
+1 (+4.3%) YoY
0 QoQ
 -35 58 270 482 17%
Assets per Employee ($) $5.8M
+2.5% YoY
+3.1% QoQ
 -$1.7M $7.5M $7.1M $8.8M 28%
Branch Count 2
0 YoY
0 QoQ
 -3 4 17 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 14%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 23%
Allowance Coverage 7.03x
+33.1% YoY
-27.0% QoQ
 -17.12x 24.15x 28.97x 20.23x 77%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.1% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 6.8%
+1.2pp YoY
+1.0pp QoQ
 -5.4pp 12.2% 10.9% 11.6% 20%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 2.0% 1.7% 66%
Net Income ($, YTD) $811,000
+32.7% YoY
— QoQ
 -$1.7M $2.6M $16.7M $40.4M 20%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#98 of 742 • Bottom 13.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 33.72%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 71.05%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 (1 metrics)

78
Tier 1 Capital Ratio
capital
Value: 33.72%
Peer Median: 15.91%
#78 of 2643 Top 2.9% in $100M-$1B

Top Weaknesses (4 metrics)

2519
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2519 of 2643 Bottom 4.7% in $100M-$1B
2390
Total Deposits
size
Value: $113.21M
Peer Median: $326.73M
#2390 of 2643 Bottom 9.6% in $100M-$1B
2365
Total Loans
size
Value: $80.44M
Peer Median: $258.35M
#2365 of 2643 Bottom 10.6% in $100M-$1B
2360
Total Assets
size
Value: $138.47M
Peer Median: $386.57M
#2360 of 2643 Bottom 10.7% in $100M-$1B
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