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Letter portraitLegal landscapeQuarterYTD

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