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Mountain Valley Bank

Dunlap, TN · Cert 1705 · Sequatchie County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

8

Q2 2024Q2 2026peer median

Efficiency

19

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

Mountain Valley Bank

Dunlap, TN · Cert 1705 · Sequatchie County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$254.6MAssets
$201.6MLoans
$198.9MDeposits
$25.1MEquity
Loan mix
90%RE $184.7M8%C&I $16.6M2%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $160.8M19%Noninterest $38.1MQ2 2025Q2 2026

NIM

5.61%Q2 ’245.74%Q2 ’255.91%Q2 ’26+0%+14%

Non-interest income vs. expense

3.53%Q2 ’243.38%Q2 ’253.55%Q2 ’26-1%+4%

Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.3% share · #15 of 30 inst. · $0.2B of $15.8B

32.5% Sequatchie
5.3% Marion
0.2% Hamilton

Executive Summary

  • Earnings: ROA of 0.51%, up 20 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.54% of loans (+16 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 10.02%, up 78 bps from a year ago.
  • Funding: loans stand at 101.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+46 bps YoY

Efficiency Ratio (YTD, annualized)

83.83%-702 bps YoY

Tier 1 Leverage Ratio

10.02%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.44%0.54%0.55%0.51%+20 bps
Return on Equity3.50%4.91%6.03%5.78%5.23%+173 bps
Net Interest Margin3.37%3.44%3.55%3.75%3.82%+46 bps
Efficiency Ratio90.86%88.04%85.05%82.19%83.83%-702 bps
Non-Interest Burden3.03%2.99%2.96%3.01%3.14%+11 bps
Growth
Asset Growth (YoY)9.85%0.87%1.55%-1.07%-3.34%-1,319 bps
Loan Growth (YoY)6.12%4.70%0.85%-2.15%-2.78%-890 bps
Deposit Growth (YoY)21.56%0.13%1.04%-1.99%-4.85%-2,641 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.54%1.27%0.63%0.54%+16 bps
Net Charge-Offs / Loans0.04%0.02%0.03%0.80%0.42%+38 bps
Allowance / Loans0.86%0.78%0.85%0.67%0.70%-17 bps
Allowance Coverage of NPLs2.3x1.5x0.7x1.1x1.3x-1.0x
Capital
Tier 1 Leverage Ratio9.24%9.32%9.60%9.71%10.02%+78 bps
Total Risk-Based Capital14.78%14.38%15.44%15.64%16.05%+127 bps
Equity / Assets8.88%9.22%9.48%9.66%9.84%+96 bps
Liquidity & Funding
Loans / Deposits99.20%104.67%101.15%102.39%101.36%+216 bps
Liquid Assets / Assets6.88%3.23%6.42%5.41%5.95%-93 bps
CRE / Total Capitaln/a373%358%355%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

Mountain Valley Bank

Dunlap, TN · Cert 1705 · Peer group: banks under $1B in assets (n=581-629) · Sequatchie County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$254.6MAssets
$201.6MLoans
$198.9MDeposits
$25.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 65% of banks under $1B in assets (rank 219 of 629).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets (rank 536 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.51%

Rank 502 of 629

Net Interest Margin

3.82%

Rank 219 of 629

Efficiency Ratio

83.83%

Rank 509 of 629

Equity / Assets

9.84%

Rank 391 of 629

Non-interest income vs. expense

$1.0M$9.0MINCOMEEXPENSE
Unfavorable gap of $8.0M · efficiency ratio beats 19% of banks under $1B in assets
Bank 83.83%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.60%1.01%1.45%Beats 20%502 / 629
Return on Equity5.18%5.38%9.30%13.28%Beats 24%480 / 629
Net Interest Margin3.82%3.03%3.54%4.05%Beats 65%219 / 629
Efficiency Ratio83.83%58.35%67.79%79.08%Beats 19%509 / 629
Asset Quality
Nonperforming Loans / Loans0.54%0.09%0.46%1.20%Beats 46%314 / 581
Net Charge-Offs / Loans0.23%n/a0.01%0.06%Beats 8%536 / 581
Capital
Tier 1 Capital Ratio15.17%11.24%13.84%18.77%Beats 61%246 / 629
Total Risk-Based Capital Ratio16.05%11.58%14.43%19.66%Beats 62%242 / 629
Equity / Assets9.84%9.09%10.65%13.80%Beats 38%391 / 629
Liquidity & Funding
Loans / Deposits101.36%67.24%80.90%93.48%88th pctl73 / 594
Loans / Assets79.18%53.31%67.71%78.15%79th pctl129 / 629
Brokered Deposits / Depositsn/aNot reported for this institution