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Wellworth Bank

Lafayette, TN · Cert 1711 · Citizens Bcorp Investment Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$1.8BAssets
$1.3BLoans
$1.5BDeposits
$180.5MEquity
Loan mix
90%RE $1.1B6%C&I $0.1B3%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.3B15%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.17%Q2 ’245.66%Q2 ’255.59%Q2 ’26+18%+0%

Non-interest income vs. expense

2.18%Q2 ’242.30%Q2 ’252.34%Q2 ’26+10%+4%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.5% share · #25 of 62 inst. · $0.6B of $107.8B

38.7% Macon
13.0% Coffee
25.6% DeKalb
5.0% Putnam

Executive Summary

  • Earnings: ROA of 1.31%, up 2 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.39% of loans (+85 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.92%, up 25 bps from a year ago.
  • Funding: loans stand at 82.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.31%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+1 bps YoY

Efficiency Ratio (quarter, annualized)

56.44%+135 bps YoY

Tier 1 Leverage Ratio

9.92%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.32%1.41%1.30%1.31%+2 bps
Return on Equity13.84%13.80%14.34%13.09%13.23%-61 bps
Net Interest Margin3.59%3.61%3.61%3.55%3.60%+1 bps
Efficiency Ratio55.09%56.91%58.81%58.22%56.44%+135 bps
Non-Interest Burden1.70%1.80%1.88%1.81%1.77%+7 bps
Growth
Asset Growth (YoY)6.87%5.21%5.47%4.56%7.31%+44 bps
Loan Growth (YoY)8.84%7.17%5.71%5.71%5.73%-311 bps
Deposit Growth (YoY)4.55%5.21%5.63%7.37%8.05%+350 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.48%1.29%1.37%1.39%+85 bps
Net Charge-Offs / Loans0.25%0.02%0.04%0.02%0.06%-19 bps
Allowance / Loans1.09%1.08%1.09%1.11%1.15%+6 bps
Allowance Coverage of NPLs2.0x2.2x0.8x0.8x0.8x-1.2x
Capital
Tier 1 Leverage Ratio9.67%9.70%9.83%9.94%9.92%+25 bps
Total Risk-Based Capital14.35%14.47%14.68%14.98%14.98%+63 bps
Equity / Assets9.42%9.68%9.97%9.94%9.82%+40 bps
Liquidity & Funding
Loans / Deposits84.17%85.16%84.93%82.53%82.35%-181 bps
Liquid Assets / Assets0.31%0.68%1.04%1.92%2.70%+239 bps
CRE / Total Capitaln/a332%322%321%n/an/a