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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