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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

5.77%Q2 ’245.82%Q2 ’255.68%Q2 ’26+7%+1%

Non-interest income vs. expense

2.12%Q2 ’242.20%Q2 ’252.22%Q2 ’26+7%+5%

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 1.47%, down 3 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.75% of loans (+1 bps YoY), with net charge-offs at 0.11%.
  • 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 (quarter, annualized)

1.47%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+5 bps YoY

Efficiency Ratio (quarter, annualized)

54.42%+73 bps YoY

Tier 1 Leverage Ratio

9.34%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.47%1.54%1.43%1.47%-3 bps
Return on Equity18.21%17.09%17.79%16.88%16.77%-144 bps
Net Interest Margin3.53%3.60%3.70%3.46%3.59%+5 bps
Efficiency Ratio53.69%54.36%54.39%54.19%54.42%+73 bps
Non-Interest Burden1.65%1.71%1.75%1.62%1.72%+7 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 / Loans-0.02%0.10%0.03%-0.01%0.11%+13 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