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Bank of Dade

Trenton, GA · Cert 17543 · Tri-States Bankshares Inc.

State charter, non-member · FDIC · 3 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=748 to 752). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

88

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 2026-10-10

Bank of Dade

Trenton, GA · Cert 17543 · Tri-States Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$162.3MAssets
$98.2MLoans
$151.3MDeposits
$10.4MEquity
Loan mix
91%RE $85.5M2%C&I $1.7M8%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $107.2M29%Noninterest $44.1MQ2 2025Q2 2026

NIM

4.76%Q2 ’245.23%Q2 ’255.34%Q2 ’26+12%+3%

Non-interest income vs. expense

2.18%Q2 ’242.45%Q2 ’252.46%Q2 ’26+0%+17%

Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.0% share · #17 of 30 inst. · $0.2B of $15.8B

Executive Summary

  • Earnings: ROA of 2.14%, unchanged from a year ago; NIM at 4.69%.
  • Asset quality: problem loans at 0.25% of loans (-23 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.45%, down 39 bps from a year ago.
  • Funding: loans stand at 64.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.14%0 bps YoY

Net Interest Margin (YTD, annualized)

4.69%+12 bps YoY

Efficiency Ratio (YTD, annualized)

48.21%+181 bps YoY

Tier 1 Leverage Ratio

9.45%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.14%2.23%2.23%2.21%2.14%0 bps
Return on Equity39.18%37.90%36.52%33.57%32.74%-644 bps
Net Interest Margin4.57%4.69%4.59%4.70%4.69%+12 bps
Efficiency Ratio46.40%46.12%46.35%46.37%48.21%+181 bps
Non-Interest Burden1.74%1.79%1.79%1.96%2.04%+30 bps
Growth
Asset Growth (YoY)-0.31%-0.09%5.29%4.15%7.24%+755 bps
Loan Growth (YoY)5.00%4.85%4.63%8.50%9.53%+453 bps
Deposit Growth (YoY)-1.66%-1.20%3.51%3.27%6.60%+826 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.10%0.03%0.03%0.25%-23 bps
Net Charge-Offs / Loans-0.13%-0.23%-0.16%0.03%-0.02%+12 bps
Allowance / Loans1.32%1.38%1.38%1.31%1.27%-4 bps
Allowance Coverage of NPLs2.7x13.6x45.3x39.8x5.1x+2.3x
Capital
Tier 1 Leverage Ratio9.84%10.35%9.99%9.21%9.45%-39 bps
Total Risk-Based Capital18.15%19.02%18.81%17.46%17.61%-54 bps
Equity / Assets5.86%7.20%6.94%6.21%6.42%+56 bps
Liquidity & Funding
Loans / Deposits63.15%65.40%61.35%62.98%64.89%+174 bps
Liquid Assets / Assets1.22%1.21%1.15%1.15%0.68%-54 bps
CRE / Total Capitaln/a128.06%122.38%142.91%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 2026-10-10

Bank of Dade

Trenton, GA · Cert 17543 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Tri-States Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$162.3MAssets
$98.2MLoans
$151.3MDeposits
$10.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets operating in a single state (rank 6 of 752).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 728 of 752).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.12%

Rank 33 of 752

Net Interest Margin

4.69%

Rank 65 of 752

Efficiency Ratio

48.21%

Rank 88 of 752

Equity / Assets

6.42%

Rank 728 of 752

Non-interest income vs. expense

$0.7M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state
Bank 48.21%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.12%0.72%1.07%1.45%Beats 96%33 / 752
Return on Equity33.05%6.78%10.58%13.65%Beats 99%6 / 752
Net Interest Margin4.69%3.18%3.69%4.17%Beats 91%65 / 752
Efficiency Ratio48.21%55.75%64.49%75.47%Beats 88%88 / 752
Asset Quality
Nonperforming Loans / Loans0.25%0.09%0.42%1.03%Beats 62%287 / 748
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 19%608 / 748
Capital
Tier 1 Capital Ratio16.35%11.55%13.75%17.60%Beats 69%230 / 752
Total Risk-Based Capital Ratio17.61%11.70%14.33%18.47%Beats 72%213 / 752
Equity / Assets6.42%8.93%10.56%13.13%Beats 3%728 / 752
Liquidity & Funding
Loans / Deposits64.89%62.23%78.64%91.26%29th pctl537 / 752
Loans / Assets60.48%54.61%67.41%76.47%35th pctl491 / 752
Brokered Deposits / Depositsn/aNot reported for this institution