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Bank of Perry County

Lobelville, TN · Cert 1713

State charter, non-member · FDIC · 3 branches

Q2 2026

$253.1MAssets
$207.4MLoans
$224.3MDeposits
$23.0MEquity
Loan mix
78%RE $155.8M5%C&I $10.3M17%Consumer $33.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $174.3M22%Noninterest $50.0MQ2 2025Q2 2026

NIM

5.97%Q2 ’246.18%Q2 ’256.09%Q2 ’26+3%+0%

Non-interest income vs. expense

2.52%Q2 ’242.46%Q2 ’252.48%Q2 ’26-2%+2%

Executive Summary

  • Earnings: ROA of 1.45%, down 3 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.38% of loans (+6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.11%, up 5 bps from a year ago.
  • Funding: loans stand at 92.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+1 bps YoY

Efficiency Ratio (YTD, annualized)

56.51%+49 bps YoY

Tier 1 Leverage Ratio

9.11%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.48%1.39%1.41%1.45%-3 bps
Return on Equity16.15%16.26%15.15%15.22%15.73%-42 bps
Net Interest Margin3.90%3.88%3.91%3.95%3.91%+1 bps
Efficiency Ratio56.02%55.87%58.77%56.23%56.51%+49 bps
Non-Interest Burden1.97%1.95%2.10%2.02%2.00%+3 bps
Growth
Asset Growth (YoY)6.39%5.38%4.70%6.03%6.20%-19 bps
Loan Growth (YoY)3.36%4.26%4.16%4.00%7.25%+389 bps
Deposit Growth (YoY)7.03%5.84%4.91%6.47%6.58%-45 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.45%0.52%0.52%0.38%+6 bps
Net Charge-Offs / Loans0.05%0.04%0.05%0.00%-0.01%-6 bps
Allowance / Loans0.99%0.99%0.98%1.01%1.00%+1 bps
Allowance Coverage of NPLs3.1x2.2x1.9x1.9x2.6x-0.5x
Capital
Tier 1 Leverage Ratio9.06%9.09%9.39%9.39%9.11%+5 bps
Total Risk-Based Capital14.10%14.09%14.46%14.31%13.91%-19 bps
Equity / Assets9.06%9.07%9.38%9.21%9.09%+3 bps
Liquidity & Funding
Loans / Deposits91.88%91.60%92.39%90.65%92.46%+58 bps
Liquid Assets / Assets5.25%5.10%4.81%4.63%4.77%-48 bps
CRE / Total Capitaln/a180.93%177.89%186.71%n/an/a