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Apex Bank

$1B-$10B Specialty: Mortgage TN FDIC cert 9176

Designations: ✓ Community bank

Camden, TN

22 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +16.4% year over year ($1.1B on the books).
  • Delinquency rate 2.52%.
  • Return on assets 2.19%.
  • Efficiency ratio 39.24% vs a 59.73% peer average.
  • Loan-to-deposit ratio 104.55% 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) →

Apex Bank has 3 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

  • + Return on Assets 0.80% above tier average
  • + Net Interest Margin 1.39% above tier average
  • + Efficiency Ratio 20.49% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.8% in tier
  • - Credit Risk Growth: Bottom 17.7% in tier
  • - Margin Compression: Bottom 71.8% in tier
  • - Nonperforming Asset Ratio 1.72% above tier average
Get updates when Apex 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 ? $1.5B
+10.1% YoY +3.5% QoQ
-$1.3B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $1.2B
+3.4% YoY -0.4% QoQ
-$771.0M $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $1.1B
+16.4% YoY +4.5% QoQ
-$1.2B $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 2.19%
-17.0% YoY -8.6% QoQ
+0.80% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 6.9% in tier
Net Interest Margin ? 5.26%
-5.7% YoY -4.4% QoQ
+1.39% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 3.6% in tier
Efficiency Ratio ? 39.24%
+6.5% YoY +5.7% QoQ
-20.49% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Top 6.7% in tier
Delinquency Rate ? 2.52%
+8.1% YoY +30.3% QoQ
+1.65% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 6.5% in tier
Loan-to-Deposit Ratio ? 104.55%
-11.2% YoY -4.7% QoQ
+19.52% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ? 14.69%
-10.5% YoY -7.2% QoQ
-6.58% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 2.40%
+12.0% YoY +20.8% QoQ
+1.72% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Bottom 4.7% in tier
Tier 1 Capital Ratio ? 23.20%
-4.2% YoY +1.6% QoQ
+8.36% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 5.1% in tier
Non-Interest Income / Assets ? 0.11%
-37.3% YoY +66.3% QoQ
-0.41% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Bottom 11.9% 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 14.7%
-1.7pp YoY
-1.1pp QoQ
 -6.7pp 21.4% 18.8% 22.2% 26%
Brokered Deposits 32.9%
-0.6pp YoY
-3.1pp QoQ
 +23.5pp 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 0.7%
-0.2pp YoY
0.0pp QoQ
 -13.3pp 14.0% 10.9% 12.5% 1%
CRE 16.1%
-0.7pp YoY
+0.4pp QoQ
 -33.9pp 50.0% 42.4% 41.4% 2%
1-4 Family 83.5%
+1.2pp YoY
-0.2pp QoQ
 +57.1pp 26.4% 39.8% 31.3% 98%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -4.4pp 4.7% 4.5% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 23.2%
-1.0pp YoY
+0.4pp QoQ
 +7.6pp 15.6% 14.8% 19.7% 94%
Leverage Ratio 14.5%
-0.3pp YoY
0.0pp QoQ
 +3.2pp 11.3% 11.4% 12.6% 92%
Total Capital Ratio 24.5%
-1.0pp YoY
+0.4pp QoQ
 +7.8pp 16.7% 15.9% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 220
-22 (-9.1%) YoY
-2 (-0.9%) QoQ
 -94 313 270 482 46%
Assets per Employee ($) $6.6M
+21.1% YoY
+4.5% QoQ
 -$3.9M $10.5M $7.1M $8.8M 19%
Branch Count 22
0 YoY
0 QoQ
 +2 20 17 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 1.3%
+0.4pp YoY
+0.4pp QoQ
 +1.1pp 0.2% 0.2% 0.4% 97%
Nonaccrual 1.2%
-0.2pp YoY
+0.1pp QoQ
 +0.4pp 0.8% 0.7% 1.0% 80%
Allowance Coverage 0.41x
-7.2% YoY
-21.1% QoQ
 -18.30x 18.71x 28.97x 20.23x 5%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 14.7%
-2.7pp YoY
-1.4pp QoQ
 +2.1pp 12.6% 10.9% 11.6% 71%
Cost of Funds (YTD) 2.3%
+0.2pp YoY
+0.1pp QoQ
 +0.4pp 1.9% 2.0% 1.7% 77%
Net Income ($, YTD) $15.5M
-11.5% YoY
— QoQ
 -$3.8M $19.2M $16.7M $40.4M 61%

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 (3)

Liquidity Overhang

risk
#11 of 172 • Bottom 5.8% 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: 23.20%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 104.55%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

Credit Risk Growth

risk
#72 of 402 • Bottom 17.7% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Margin Compression

decline
#62 of 85 • Bottom 71.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.19%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

33
Net Interest Margin
profitability
Value: 5.26%
Peer Median: 3.87%
#33 of 885 Top 3.6% in $1B-$10B
46
Tier 1 Capital Ratio
capital
Value: 23.20%
Peer Median: 14.84%
#46 of 885 Top 5.1% in $1B-$10B
60
Efficiency Ratio
profitability
Value: 39.24%
Peer Median: 59.73%
#60 of 885 Top 6.7% in $1B-$10B
62
Return on Assets
profitability
Value: 2.19%
Peer Median: 1.39%
#62 of 885 Top 6.9% in $1B-$10B

Top Weaknesses (4 metrics)

844
Nonperforming Asset Ratio
credit_quality
Value: 2.40%
Peer Median: 0.67%
#844 of 885 Bottom 4.7% in $1B-$10B
826
Delinquency Rate
credit_quality
Value: 2.52%
Peer Median: 0.87%
#826 of 882 Bottom 6.5% in $1B-$10B
817
Loan-to-Deposit Ratio
liquidity
Value: 104.55%
Peer Median: 85.04%
#817 of 885 Bottom 7.8% in $1B-$10B
781
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.53%
#781 of 885 Bottom 11.9% in $1B-$10B
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