Apex Bank: how it compares with its peers
Against 35 TN banks with half to twice its assets, Apex Bank's strongest measure in Q2 2026 is return on assets (2.19% vs. a 1.30% peer median). Its weakest relative measure is assets per employee ($6.6M vs. $7.4M).
| Measure | Apex Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.19% | 1.30% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.26% | 3.89% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.24% | 56.54% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.4M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.55% | 80.38% | Context |
What it means for lending operations
Its efficiency ratio of 39.24% is better than the 56.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank Elizabethton, TN · $1.42B
- First National Bank of Pulaski Pulaski, TN · $1.50B
- First National Bank of Tennessee Livingston, TN · $1.38B
- Truxton Trust Company Nashville, TN · $1.37B
- Studio Bank Nashville, TN · $1.34B
- Citizens Tri-County Bank Dunlap, TN · $1.64B
Questions about Apex Bank
How big is Apex Bank?
Apex Bank, established in 1931, is headquartered in Camden, TN. It reported $1.46B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is Apex Bank's return on assets?
2.19% annualized in Q2 2026, against a 1.30% median for 35 TN banks with half to twice its assets, ahead of 100% of them.
What is Apex Bank's efficiency ratio?
39.24% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 56.54%, and lower is better.
Is Apex Bank growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 16.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.