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First National Bank of Pulaski

Pulaski, TN · Cert 15572 · First Pulaski National Corp.

National charter · OCC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

72

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

First National Bank of Pulaski

Pulaski, TN · Cert 15572 · First Pulaski National Corp.

National charter · OCC · 13 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BDeposits
$150.7MEquity
Loan mix
93%RE $907.2M5%C&I $50.0M2%Consumer $19.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.0B24%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.10%Q2 ’245.26%Q2 ’255.31%Q2 ’26+12%+6%

Non-interest income vs. expense

2.00%Q2 ’242.02%Q2 ’252.11%Q2 ’26+3%+5%

Market Position · Huntsville, AL · 2026 SOD (annual) · 3.5% share · #9 of 37 inst. · $0.4B of $12.4B

50.3% Giles
23.2% Limestone
31.5% Lincoln
0.9% Madison

Executive Summary

  • Earnings: ROA of 1.40%, up 20 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.24% of loans (+21 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.32%, up 38 bps from a year ago.
  • Funding: loans stand at 77.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+20 bps YoY

Efficiency Ratio (YTD, annualized)

53.56%-63 bps YoY

Tier 1 Leverage Ratio

11.32%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.28%1.29%1.34%1.40%+20 bps
Return on Equity13.44%14.05%14.03%13.96%14.38%+94 bps
Net Interest Margin3.35%3.42%3.41%3.45%3.55%+20 bps
Efficiency Ratio54.18%53.36%53.68%54.64%53.56%-63 bps
Non-Interest Burden1.64%1.64%1.64%1.72%1.72%+8 bps
Growth
Asset Growth (YoY)3.92%4.08%7.06%5.45%3.76%-16 bps
Loan Growth (YoY)6.93%6.90%5.30%3.98%3.36%-356 bps
Deposit Growth (YoY)2.81%3.24%6.04%4.65%2.95%+14 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.18%0.26%0.24%+21 bps
Net Charge-Offs / Loans0.15%0.10%0.12%-0.06%0.01%-14 bps
Allowance / Loans1.30%1.31%1.30%1.32%1.30%0 bps
Allowance Coverage of NPLs41.0x41.0x7.1x5.0x5.4x-35.6x
Capital
Tier 1 Leverage Ratio10.94%11.16%10.93%10.92%11.32%+38 bps
Total Risk-Based Capital10.94%11.16%10.93%10.92%11.32%+38 bps
Equity / Assets9.24%9.75%9.46%9.68%10.05%+81 bps
Liquidity & Funding
Loans / Deposits76.95%78.57%75.48%75.25%77.26%+31 bps
Liquid Assets / Assets8.62%7.32%10.58%9.98%8.44%-19 bps
CRE / Total Capitaln/a324%320%310%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

First National Bank of Pulaski

Pulaski, TN · Cert 15572 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Pulaski National Corp.

National charter · OCC · 13 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BDeposits
$150.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks $1B-$10B in assets operating regionally (rank 32 of 176).
  • Widest gap: total risk-based capital ratio trails 83% of banks $1B-$10B in assets operating regionally (rank 146 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.40%

Rank 61 of 176

Net Interest Margin

3.55%

Rank 95 of 176

Efficiency Ratio

53.56%

Rank 51 of 176

Equity / Assets

10.05%

Rank 100 of 176

Non-interest income vs. expense

$6.1M$32.2MINCOMEEXPENSE
Unfavorable gap of $26.1M · efficiency ratio beats 72% of banks $1B-$10B in assets operating regionally
Bank 53.56%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.93%1.26%1.54%Beats 65%61 / 176
Return on Equity13.96%9.26%11.89%14.46%Beats 68%56 / 176
Net Interest Margin3.55%3.25%3.59%3.93%Beats 46%95 / 176
Efficiency Ratio53.56%52.79%59.55%67.66%Beats 72%51 / 176
Asset Quality
Nonperforming Loans / Loans0.24%0.30%0.64%1.32%Beats 83%32 / 176
Net Charge-Offs / Loans0.06%0.01%0.04%0.10%Beats 42%104 / 176
Capital
Tier 1 Capital Ratio11.32%11.15%12.72%14.15%Beats 30%124 / 176
Total Risk-Based Capital Ratio11.32%11.81%13.63%15.33%Beats 17%146 / 176
Equity / Assets10.05%9.16%10.35%11.80%Beats 43%100 / 176
Liquidity & Funding
Loans / Deposits77.26%80.94%89.73%97.21%15th pctl150 / 176
Loans / Assets68.70%69.25%75.12%80.82%22nd pctl138 / 176
Brokered Deposits / Depositsn/aNot reported for this institution