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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=266 to 267). 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

67

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 $82.2MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $1.2B19%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.37%1.32%1.41%1.44%1.47%1.43%1.45%+4 bps
Return on Equity16.90%17.40%16.35%17.34%17.19%17.52%16.88%16.80%-54 bps
Net Interest Margin3.18%3.20%3.30%3.37%3.45%3.48%3.46%3.48%+11 bps
Efficiency Ratio55.66%55.10%56.13%54.85%54.68%54.60%54.19%54.31%-54 bps
Non-Interest Burden1.53%1.53%1.63%1.62%1.65%1.66%1.62%1.65%+3 bps
Growth
Asset Growth (YoY)12.87%11.69%9.79%9.27%6.21%7.39%8.36%5.77%-350 bps
Loan Growth (YoY)6.84%6.95%5.92%9.38%9.39%14.57%12.58%9.80%+42 bps
Deposit Growth (YoY)11.49%11.23%9.05%8.94%5.62%6.92%8.10%4.94%-399 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.66%0.72%0.74%0.51%0.48%0.64%0.75%+1 bps
Net Charge-Offs / Loans0.06%0.05%0.01%0.00%0.03%0.03%-0.01%0.05%+5 bps
Allowance / Loans1.93%1.89%1.88%1.82%1.74%1.63%1.65%1.61%-20 bps
Allowance Coverage of NPLs3.0x2.9x2.6x2.5x3.4x3.4x2.6x2.2x-0.3x
Capital
Tier 1 Leverage Ratio9.40%9.15%9.21%9.04%9.51%9.05%9.13%9.34%+31 bps
Total Risk-Based Capital9.40%9.15%9.21%9.04%9.51%9.05%9.13%9.34%+31 bps
Equity / Assets8.39%7.93%8.21%8.28%8.96%8.41%8.51%9.05%+77 bps
Liquidity & Funding
Loans / Deposits70.03%69.51%68.30%69.53%72.53%74.49%71.12%72.75%+322 bps
Liquid Assets / Assets16.50%17.92%19.94%20.33%17.25%13.38%16.92%12.10%-823 bps
CRE / Total Capitaln/an/an/an/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=266-267) · 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 84% of banks $1B-$10B in assets operating in a single state (rank 44 of 267).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets operating in a single state (rank 262 of 267).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.44%

Rank 80 of 267

Net Interest Margin

3.48%

Rank 139 of 267

Efficiency Ratio

54.46%

Rank 88 of 266

Equity / Assets

9.05%

Rank 210 of 267

Non-interest income vs. expense

$8.7M$36.2MINCOMEEXPENSE
Unfavorable gap of $27.6M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state
Bank 54.46%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.44%0.93%1.23%1.55%Beats 70%80 / 267
Return on Equity15.96%9.16%11.84%14.56%Beats 84%44 / 267
Net Interest Margin3.48%3.12%3.50%3.88%Beats 48%139 / 267
Efficiency Ratio54.46%51.36%60.21%69.66%Beats 67%88 / 266
Asset Quality
Nonperforming Loans / Loans0.75%0.19%0.46%0.89%Beats 29%190 / 267
Net Charge-Offs / Loans0.05%0.01%0.02%0.06%Beats 31%186 / 267
Capital
Tier 1 Capital Ratio9.34%11.29%13.05%15.13%Beats 2%262 / 267
Total Risk-Based Capital Ratio9.34%11.95%13.87%16.27%Beats 2%262 / 267
Equity / Assets9.05%9.18%10.29%11.76%Beats 21%210 / 267
Liquidity & Funding
Loans / Deposits72.75%72.68%86.16%95.22%25th pctl199 / 267
Loans / Assets65.51%62.46%71.96%78.38%31st pctl185 / 267
Brokered Deposits / Depositsn/aNot reported for this institution