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Truxton Trust Company

$1B-$10B Specialty: Commercial TN FDIC cert 57825

Designations: ✓ Community bank

Nashville, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +7.3% year over year ($1.1B on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.98%.
  • Efficiency ratio 49.39% vs a 59.73% peer average.
  • Loan-to-deposit ratio 70.70% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

Truxton Trust Company has 5 strengths but faces 2 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

  • + Revenue Diversifier: Top 11.7% in tier
  • + Credit Quality Leader: Top 48.0% in tier
  • + Nonperforming Asset Ratio 0.66% below tier average
  • + ROA 0.59% above tier average
  • + Efficiency Ratio 10.34% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.2% in tier
  • - Net Interest Margin 0.75% below tier average
Get updates when Truxton Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.4B
+9.7% YoY -0.3% QoQ
-$1.4B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $796.3M
+16.2% YoY -0.5% QoQ
-$1.2B $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Bottom 13.9% in tier
Total Deposits ? $1.1B
+7.3% YoY -5.0% QoQ
-$1.2B $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 1.98%
+8.5% YoY +1.3% QoQ
+0.59% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 12.4% in tier
Net Interest Margin ? 3.12%
+6.1% YoY -0.5% QoQ
-0.75% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 49.39%
-4.5% YoY -0.8% QoQ
-10.34% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.02%
+18.1% QoQ
-0.85% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 5.1% in tier
Loan-to-Deposit Ratio ? 70.70%
+8.3% YoY +4.8% QoQ
-14.33% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 12.94%
+0.5% YoY +3.9% QoQ
-8.33% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.01%
+17.9% QoQ
-0.66% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Top 4.4% in tier
Tier 1 Capital Ratio ? 14.02%
+2.8% YoY +2.4% QoQ
-0.82% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.94%
-5.2% YoY +105.0% QoQ
+0.42% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 7.0% 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 12.9%
+0.1pp YoY
+0.5pp QoQ
 -8.4pp 21.4% 18.8% 22.2% 18%
Brokered Deposits 32.1%
-1.6pp YoY
-5.3pp QoQ
 +22.6pp 9.5% 9.4% 8.5% 96%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 11.4%
+2.7pp YoY
-0.4pp QoQ
 -2.6pp 14.0% 10.9% 12.5% 52%
CRE 46.6%
+0.4pp YoY
-0.8pp QoQ
 -3.5pp 50.0% 42.4% 41.4% 40%
1-4 Family 36.7%
-0.7pp YoY
+1.0pp QoQ
 +10.3pp 26.4% 39.8% 31.3% 77%
Consumer 4.5%
-1.5pp YoY
+0.2pp QoQ
 -0.2pp 4.7% 4.5% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 14.0%
+0.4pp YoY
+0.3pp QoQ
 -1.6pp 15.6% 14.8% 19.7% 58%
Leverage Ratio 9.3%
-0.1pp YoY
+0.4pp QoQ
 -2.0pp 11.3% 11.4% 12.6% 18%
Total Capital Ratio 14.9%
+0.4pp YoY
+0.3pp QoQ
 -1.8pp 16.7% 15.9% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 90
+9 (+11.1%) YoY
-1 (-1.1%) QoQ
 -224 313 270 482 5%
Assets per Employee ($) $15.2M
-1.2% YoY
+0.8% QoQ
 +$4.7M $10.5M $7.1M $8.8M 90%
Branch Count 1
0 YoY
0 QoQ
 -19 20 17 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 27%
Nonaccrual 0.0%
0.0pp QoQ
 -0.8pp 0.8% 0.7% 1.0% 1%
Allowance Coverage 52.38x
-14.7% QoQ
 +33.67x 18.71x 28.97x 20.23x 97%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 23.4%
+2.8pp YoY
-0.3pp QoQ
 +10.9pp 12.6% 10.9% 11.6% 95%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.9% 2.0% 1.7% 86%
Net Income ($, YTD) $13.7M
+31.5% YoY
— QoQ
 -$5.6M $19.2M $16.7M $40.4M 55%

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
#27 of 222 • Top 11.7% 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: 0.94%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.98%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Credit Quality Leader

growth
#107 of 221 • Top 48.0% in tier

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

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#12 of 492 • Bottom 2.2% in tier

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

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 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 885 peers in $1B-$10B

Top Strengths (6 metrics)

40
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#40 of 885 Top 4.4% in $1B-$10B
46
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.87%
#46 of 882 Top 5.1% in $1B-$10B
63
Non-Interest Income / Assets
revenue_mix
Value: 0.94%
Peer Median: 0.53%
#63 of 885 Top 7.0% in $1B-$10B
111
Return on Assets
profitability
Value: 1.98%
Peer Median: 1.39%
#111 of 885 Top 12.4% in $1B-$10B
146
Loan-to-Deposit Ratio
liquidity
Value: 70.70%
Peer Median: 85.04%
#146 of 885 Top 16.4% in $1B-$10B
191
Efficiency Ratio
profitability
Value: 49.39%
Peer Median: 59.73%
#191 of 885 Top 21.5% in $1B-$10B

Top Weaknesses (3 metrics)

763
Total Loans
size
Value: $796.32M
Peer Median: $1.96B
#763 of 885 Bottom 13.9% in $1B-$10B
720
Non-Interest-Bearing Deposit Share
funding
Value: 12.94%
Peer Median: 21.27%
#720 of 885 Bottom 18.8% in $1B-$10B
713
Net Interest Margin
profitability
Value: 3.12%
Peer Median: 3.87%
#713 of 885 Bottom 19.5% in $1B-$10B
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