PackageTrendsPeer
Letter portraitLegal landscape

Bank of Halls

Halls, TN · Cert 10315 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Halls

Halls, TN · Cert 10315 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 2 branches (21 in holding)

Q2 2026

$134.6MAssets
$63.8MLoans
$123.2MDeposits
$10.4MEquity
Loan mix
82%RE $47.3M14%C&I $8.1M5%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $107.3M13%Noninterest $15.9MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.81%Q2 ’254.67%Q2 ’26+4%-3%

Non-interest income vs. expense

1.62%Q2 ’241.74%Q2 ’251.85%Q2 ’26+12%+0%

Executive Summary

  • Earnings: ROA of 1.02%, down 3 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.15% of loans (-267 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.95%, down 24 bps from a year ago.
  • Funding: loans stand at 51.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-11 bps YoY

Efficiency Ratio (YTD, annualized)

55.63%+337 bps YoY

Tier 1 Leverage Ratio

7.95%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%0.97%0.98%0.97%1.02%-3 bps
Return on Equity15.05%13.41%13.43%12.68%13.36%-169 bps
Net Interest Margin3.21%3.31%3.12%3.02%3.10%-11 bps
Efficiency Ratio52.26%53.91%54.19%56.63%55.63%+337 bps
Non-Interest Burden1.61%1.72%1.59%1.61%1.62%+1 bps
Growth
Asset Growth (YoY)-2.25%0.28%2.68%-4.21%1.33%+357 bps
Loan Growth (YoY)10.94%4.78%9.41%17.43%14.44%+350 bps
Deposit Growth (YoY)-3.52%-0.36%1.82%-5.26%1.23%+475 bps
Asset Quality
Nonperforming Loans / Loans2.82%0.28%0.28%0.31%0.15%-267 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.66%1.68%1.62%1.54%1.45%-21 bps
Allowance Coverage of NPLs0.6x6.0x5.9x5.0x9.5x+8.9x
Capital
Tier 1 Leverage Ratio8.20%8.52%7.93%8.01%7.95%-24 bps
Total Risk-Based Capital15.52%14.61%14.12%15.22%13.88%-164 bps
Equity / Assets7.51%8.08%7.44%7.84%7.73%+21 bps
Liquidity & Funding
Loans / Deposits45.82%46.91%44.67%48.68%51.80%+598 bps
Liquid Assets / Assets17.86%10.00%18.02%17.30%15.76%-210 bps
CRE / Total Capitaln/a141.38%141.71%136.77%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Halls

Halls, TN · Cert 10315 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 2 branches (21 in holding)

Q2 2026

$134.6MAssets
$63.8MLoans
$123.2MDeposits
$10.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets operating in a single state (rank 664 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.04%

Rank 389 of 746

Net Interest Margin

3.10%

Rank 585 of 746

Efficiency Ratio

55.63%

Rank 184 of 746

Equity / Assets

7.73%

Rank 664 of 746

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state
Bank 55.63%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.72%1.06%1.45%Beats 48%389 / 746
Return on Equity13.42%6.74%10.51%13.63%Beats 73%204 / 746
Net Interest Margin3.10%3.17%3.68%4.16%Beats 22%585 / 746
Efficiency Ratio55.63%55.74%64.58%75.47%Beats 75%184 / 746
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.42%1.07%Beats 70%226 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio12.79%11.55%13.75%17.60%Beats 39%455 / 746
Total Risk-Based Capital Ratio13.88%11.71%14.33%18.43%Beats 46%405 / 746
Equity / Assets7.73%8.90%10.51%13.06%Beats 11%664 / 746
Liquidity & Funding
Loans / Deposits51.80%61.31%78.27%90.78%14th pctl640 / 746
Loans / Assets47.42%53.60%66.97%76.08%17th pctl617 / 746
Brokered Deposits / Depositsn/aNot reported for this institution