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Citizens Tri-County Bank

Dunlap, TN · Cert 20818 · Sequatchie Valley Bancshares

State charter, non-member · FDIC · 24 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

68

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 2026-10-11

Citizens Tri-County Bank

Dunlap, TN · Cert 20818 · Sequatchie Valley Bancshares

State charter, non-member · FDIC · 24 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.5BDeposits
$148.5MEquity
Loan mix
86%RE $848.8M6%C&I $57.3M8%Consumer $82.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.2B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.53%Q2 ’245.64%Q2 ’255.54%Q2 ’26+7%+3%

Non-interest income vs. expense

2.12%Q2 ’242.14%Q2 ’252.17%Q2 ’26+4%+2%

Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 4.3% share · #8 of 30 inst. · $0.7B of $15.8B

63.6% Sequatchie
34.8% Marion
100.0% Grundy
1.2% Hamilton

Executive Summary

  • Earnings: ROA of 1.45%, up 4 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.75% of loans (+1 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.34%, up 31 bps from a year ago.
  • Funding: loans stand at 72.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+11 bps YoY

Efficiency Ratio (YTD, annualized)

54.31%-54 bps YoY

Tier 1 Leverage Ratio

9.34%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.44%1.47%1.43%1.45%+4 bps
Return on Equity17.34%17.19%17.52%16.88%16.80%-54 bps
Net Interest Margin3.37%3.45%3.48%3.46%3.48%+11 bps
Efficiency Ratio54.85%54.68%54.60%54.19%54.31%-54 bps
Non-Interest Burden1.62%1.65%1.66%1.62%1.65%+3 bps
Growth
Asset Growth (YoY)9.27%6.21%7.39%8.36%5.77%-350 bps
Loan Growth (YoY)9.38%9.39%14.57%12.58%9.80%+42 bps
Deposit Growth (YoY)8.94%5.62%6.92%8.10%4.94%-399 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.51%0.48%0.64%0.75%+1 bps
Net Charge-Offs / Loans0.00%0.03%0.03%-0.01%0.05%+5 bps
Allowance / Loans1.82%1.74%1.63%1.65%1.61%-20 bps
Allowance Coverage of NPLs2.5x3.4x3.4x2.6x2.2x-0.3x
Capital
Tier 1 Leverage Ratio9.04%9.51%9.05%9.13%9.34%+31 bps
Total Risk-Based Capital9.04%9.51%9.05%9.13%9.34%+31 bps
Equity / Assets8.28%8.96%8.41%8.51%9.05%+77 bps
Liquidity & Funding
Loans / Deposits69.53%72.53%74.49%71.12%72.75%+322 bps
Liquid Assets / Assets20.33%17.25%13.38%16.92%12.10%-823 bps
CRE / Total Capitaln/a335%360%342%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 2026-10-11

Citizens Tri-County Bank

Dunlap, TN · Cert 20818 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Sequatchie Valley Bancshares

State charter, non-member · FDIC · 24 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.5BDeposits
$148.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 45 of 258).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets operating in a single state (rank 254 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.44%

Rank 76 of 258

Net Interest Margin

3.48%

Rank 132 of 258

Efficiency Ratio

54.46%

Rank 83 of 257

Equity / Assets

9.05%

Rank 197 of 258

Non-interest income vs. expense

$8.7M$36.2MINCOMEEXPENSE
Unfavorable gap of $27.6M · efficiency ratio beats 68% of banks $1B-$10B in assets operating in a single state
Bank 54.46%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.93%1.23%1.54%Beats 71%76 / 258
Return on Equity15.96%9.26%11.84%14.74%Beats 83%45 / 258
Net Interest Margin3.48%3.16%3.49%3.88%Beats 49%132 / 258
Efficiency Ratio54.46%51.71%60.30%69.65%Beats 68%83 / 257
Asset Quality
Nonperforming Loans / Loans0.75%0.19%0.46%0.90%Beats 30%182 / 258
Net Charge-Offs / Loans0.05%0.01%0.02%0.07%Beats 32%176 / 258
Capital
Tier 1 Capital Ratio9.34%11.41%12.98%15.12%Beats 2%254 / 258
Total Risk-Based Capital Ratio9.34%12.10%13.91%16.08%Beats 2%254 / 258
Equity / Assets9.05%9.09%10.24%11.72%Beats 24%197 / 258
Liquidity & Funding
Loans / Deposits72.75%73.24%86.34%95.95%24th pctl195 / 258
Loans / Assets65.51%63.01%72.27%78.40%29th pctl182 / 258
Brokered Deposits / Depositsn/aNot reported for this institution