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Bank of Crockett

Bells, TN · Cert 1468 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 5 branches (21 in holding)

Q2 2026

$299.1MAssets
$205.8MLoans
$266.3MDeposits
$29.9MEquity
Loan mix
72%RE $119.4M21%C&I $34.4M8%Consumer $12.5MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $210.1M21%Noninterest $56.2MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.15%Q2 ’255.44%Q2 ’26+10%+12%

Non-interest income vs. expense

1.67%Q2 ’241.76%Q2 ’251.82%Q2 ’26+7%+4%

Market Position · Jackson, TN · 2026 SOD (annual) · 5.4% share · #7 of 23 inst. · $0.2B of $4.3B

66.9% Crockett
6.6% Lauderdale

Executive Summary

  • Earnings: ROA of 1.56%, up 13 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.29% of loans (+25 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.46%, down 14 bps from a year ago.
  • Funding: loans stand at 77.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.56%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+42 bps YoY

Efficiency Ratio (quarter, annualized)

43.38%-322 bps YoY

Tier 1 Leverage Ratio

10.46%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.34%1.24%1.41%1.56%+13 bps
Return on Equity15.16%13.78%12.74%14.78%16.01%+85 bps
Net Interest Margin3.54%3.64%3.60%3.73%3.96%+42 bps
Efficiency Ratio46.60%44.72%45.39%44.73%43.38%-322 bps
Non-Interest Burden1.52%1.50%1.51%1.54%1.58%+6 bps
Growth
Asset Growth (YoY)3.19%5.34%4.82%5.82%5.70%+251 bps
Loan Growth (YoY)15.89%12.63%13.20%12.69%12.67%-322 bps
Deposit Growth (YoY)2.31%4.61%3.89%5.16%5.05%+274 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.21%0.03%0.29%+25 bps
Net Charge-Offs / Loans0.00%0.00%0.07%0.02%0.00%0 bps
Allowance / Loans1.47%1.46%1.51%1.47%1.44%-3 bps
Allowance Coverage of NPLs32.7x26.3x7.3x51.0x4.9x-27.8x
Capital
Tier 1 Leverage Ratio10.60%10.65%9.88%10.16%10.46%-14 bps
Total Risk-Based Capital14.94%15.77%14.33%14.27%14.56%-38 bps
Equity / Assets9.62%9.82%9.57%9.51%9.98%+37 bps
Liquidity & Funding
Loans / Deposits72.07%72.78%72.00%72.21%77.30%+523 bps
Liquid Assets / Assets3.06%0.03%0.03%0.05%0.07%-299 bps
CRE / Total Capitaln/a40.16%44.31%43.71%n/an/a