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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

4.68%Q2 ’245.18%Q2 ’254.76%Q2 ’26+14%-11%

Non-interest income vs. expense

1.56%Q2 ’241.81%Q2 ’251.85%Q2 ’26+34%-3%

Executive Summary

  • Earnings: ROA of 1.09%, down 30 bps year over year; NIM at 3.16%.
  • 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 (quarter, annualized)

1.09%-30 bps YoY

Net Interest Margin (quarter, annualized)

3.16%-38 bps YoY

Efficiency Ratio (quarter, annualized)

54.66%+550 bps YoY

Tier 1 Leverage Ratio

7.95%-24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%0.81%1.03%0.97%1.09%-30 bps
Return on Equity19.35%10.35%13.27%12.68%13.96%-538 bps
Net Interest Margin3.54%3.12%3.11%3.02%3.16%-38 bps
Efficiency Ratio49.16%57.47%54.98%56.63%54.66%+550 bps
Non-Interest Burden1.67%1.72%1.52%1.61%1.63%-5 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 / Loans0.01%0.00%0.00%0.00%0.00%-1 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