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First Century Bank

Tazewell, TN · Cert 1700 · Claiborne Holding Co. Inc.

State charter, non-member · FDIC · 12 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

90

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 Century Bank

Tazewell, TN · Cert 1700 · Claiborne Holding Co. Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$809.8MAssets
$707.5MLoans
$722.3MDeposits
$74.4MEquity
Loan mix
92%RE $633.9M7%C&I $47.9M1%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $592.8M18%Noninterest $129.5MQ2 2025Q2 2026

NIM

5.69%Q2 ’245.94%Q2 ’256.02%Q2 ’26+4%+13%

Non-interest income vs. expense

2.10%Q2 ’242.17%Q2 ’252.17%Q2 ’26+6%-1%

Market Position · Knoxville, TN · 2026 SOD (annual) · 1.1% share · #13 of 42 inst. · $0.3B of $26.6B

33.9% Claiborne
0.6% Knox
2.8% Blount
31.3% Union

Executive Summary

  • Earnings: ROA of 1.69%, up 33 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.07% of loans (+4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.44%, up 62 bps from a year ago.
  • Funding: loans stand at 97.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+46 bps YoY

Efficiency Ratio (YTD, annualized)

47.70%-551 bps YoY

Tier 1 Leverage Ratio

9.44%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.43%1.37%1.68%1.69%+33 bps
Return on Equity15.90%16.60%15.73%18.26%18.38%+248 bps
Net Interest Margin3.64%3.72%3.71%4.11%4.10%+46 bps
Efficiency Ratio53.21%51.86%53.86%46.35%47.70%-551 bps
Non-Interest Burden1.73%1.72%1.80%1.69%1.72%-1 bps
Growth
Asset Growth (YoY)9.26%12.04%7.05%4.90%6.94%-232 bps
Loan Growth (YoY)6.99%8.20%9.08%8.87%9.78%+279 bps
Deposit Growth (YoY)12.20%12.78%6.14%3.06%5.49%-671 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.04%0.05%0.07%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%+1 bps
Allowance / Loans0.99%1.00%1.05%1.06%1.07%+8 bps
Allowance Coverage of NPLs33.7x43.3x24.4x21.6x14.5x-19.1x
Capital
Tier 1 Leverage Ratio8.82%9.09%9.03%9.35%9.44%+62 bps
Total Risk-Based Capital13.02%13.19%13.33%13.00%13.22%+20 bps
Equity / Assets8.61%8.77%9.16%9.22%9.19%+57 bps
Liquidity & Funding
Loans / Deposits94.12%94.25%98.22%99.02%97.94%+382 bps
Liquid Assets / Assets5.95%5.71%3.45%4.37%3.65%-231 bps
CRE / Total Capitaln/a430%419%420%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 Century Bank

Tazewell, TN · Cert 1700 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Claiborne Holding Co. Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$809.8MAssets
$707.5MLoans
$722.3MDeposits
$74.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets operating in a single state (rank 52 of 746).
  • Widest gap: equity / assets trails 71% of banks under $1B in assets operating in a single state (rank 533 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.64%

Rank 127 of 746

Net Interest Margin

4.10%

Rank 209 of 746

Efficiency Ratio

47.70%

Rank 74 of 746

Equity / Assets

9.19%

Rank 533 of 746

Non-interest income vs. expense

$3.6M$17.1MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state
Bank 47.70%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.72%1.06%1.45%Beats 83%127 / 746
Return on Equity17.81%6.74%10.51%13.63%Beats 93%52 / 746
Net Interest Margin4.10%3.17%3.68%4.16%Beats 72%209 / 746
Efficiency Ratio47.70%55.74%64.58%75.47%Beats 90%74 / 746
Asset Quality
Nonperforming Loans / Loans0.07%0.09%0.42%1.07%Beats 76%179 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 48%386 / 743
Capital
Tier 1 Capital Ratio11.97%11.55%13.75%17.60%Beats 31%515 / 746
Total Risk-Based Capital Ratio13.22%11.71%14.33%18.43%Beats 40%451 / 746
Equity / Assets9.19%8.90%10.51%13.06%Beats 29%533 / 746
Liquidity & Funding
Loans / Deposits97.94%61.31%78.27%90.78%88th pctl89 / 746
Loans / Assets87.36%53.60%66.97%76.08%98th pctl16 / 746
Brokered Deposits / Depositsn/aNot reported for this institution