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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

4.99%Q2 ’245.19%Q2 ’255.38%Q2 ’26+4%+4%

Non-interest income vs. expense

2.14%Q2 ’242.54%Q2 ’252.57%Q2 ’26+21%+3%

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 2.07%, up 11 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.25% of loans (-23 bps YoY), with net recoveries of 0.07%.
  • 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 (quarter, annualized)

2.07%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.71%+20 bps YoY

Efficiency Ratio (quarter, annualized)

50.02%-104 bps YoY

Tier 1 Leverage Ratio

9.45%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%2.43%2.24%2.21%2.07%+11 bps
Return on Equity35.66%37.27%31.70%33.57%32.79%-286 bps
Net Interest Margin4.51%4.87%4.70%4.70%4.71%+20 bps
Efficiency Ratio51.06%45.60%47.05%46.37%50.02%-104 bps
Non-Interest Burden2.08%1.86%1.96%1.96%2.15%+7 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-0.08%-0.42%0.03%0.03%-0.07%+2 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