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Citizens National Bank

Sevierville, TN · Cert 20954 · CNB Bancshares Inc.

National charter · OCC · 21 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

93

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 National Bank

Sevierville, TN · Cert 20954 · CNB Bancshares Inc.

National charter · OCC · 21 branches

Q2 2026

$2.0BAssets
$1.3BLoans
$1.7BDeposits
$192.2MEquity
Loan mix
92%RE $1.2B8%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.4B20%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.80%Q2 ’244.93%Q2 ’255.00%Q2 ’26+8%+10%

Non-interest income vs. expense

1.83%Q2 ’241.71%Q2 ’251.62%Q2 ’26-8%-7%

Market Position · Morristown, TN · 2026 SOD (annual) · 8.0% share · #6 of 12 inst. · $0.2B of $2.4B

35.0% Sevier
14.1% Jefferson
3.4% Hamblen
0.2% Knox

Executive Summary

  • Earnings: ROA of 1.63%, up 29 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.04% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.17%, up 65 bps from a year ago.
  • Funding: loans stand at 76.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+30 bps YoY

Efficiency Ratio (YTD, annualized)

42.73%-615 bps YoY

Tier 1 Leverage Ratio

11.17%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.36%1.50%1.56%1.63%+29 bps
Return on Equity15.99%15.83%16.99%16.26%16.91%+92 bps
Net Interest Margin3.02%3.05%3.09%3.24%3.31%+30 bps
Efficiency Ratio48.88%48.43%46.77%43.44%42.73%-615 bps
Non-Interest Burden1.22%1.23%1.16%1.15%1.14%-8 bps
Growth
Asset Growth (YoY)10.21%2.74%1.86%3.92%3.44%-678 bps
Loan Growth (YoY)6.27%9.95%5.43%6.58%4.34%-193 bps
Deposit Growth (YoY)17.03%2.00%-0.33%2.88%2.43%-1,460 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.05%0.01%0.03%0.04%+1 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans1.12%1.14%1.18%1.20%1.22%+10 bps
Allowance Coverage of NPLs37.4x23.8x97.4x37.0x27.5x-10.0x
Capital
Tier 1 Leverage Ratio10.52%10.58%10.84%10.78%11.17%+65 bps
Total Risk-Based Capital15.28%15.43%16.22%16.02%16.27%+99 bps
Equity / Assets8.91%9.21%9.60%9.54%9.81%+91 bps
Liquidity & Funding
Loans / Deposits75.03%76.81%74.32%76.26%76.43%+140 bps
Liquid Assets / Assets4.90%4.26%8.20%6.02%4.55%-35 bps
CRE / Total Capitaln/a478%454%465%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 National Bank

Sevierville, TN · Cert 20954 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · CNB Bancshares Inc.

National charter · OCC · 21 branches

Q2 2026

$2.0BAssets
$1.3BLoans
$1.7BDeposits
$192.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 16 of 258).
  • Widest gap: net interest margin trails 65% of banks $1B-$10B in assets operating in a single state (rank 168 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.63%

Rank 46 of 258

Net Interest Margin

3.31%

Rank 168 of 258

Efficiency Ratio

42.73%

Rank 19 of 257

Equity / Assets

9.81%

Rank 150 of 258

Non-interest income vs. expense

$9.3M$31.8MINCOMEEXPENSE
Unfavorable gap of $22.4M · efficiency ratio beats 93% of banks $1B-$10B in assets operating in a single state
Bank 42.73%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.63%0.93%1.23%1.54%Beats 82%46 / 258
Return on Equity16.65%9.26%11.84%14.74%Beats 86%35 / 258
Net Interest Margin3.31%3.16%3.49%3.88%Beats 35%168 / 258
Efficiency Ratio42.73%51.71%60.30%69.65%Beats 93%19 / 257
Asset Quality
Nonperforming Loans / Loans0.04%0.19%0.46%0.90%Beats 94%16 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 81%51 / 258
Capital
Tier 1 Capital Ratio15.08%11.41%12.98%15.12%Beats 74%68 / 258
Total Risk-Based Capital Ratio16.27%12.10%13.91%16.08%Beats 76%62 / 258
Equity / Assets9.81%9.09%10.24%11.72%Beats 42%150 / 258
Liquidity & Funding
Loans / Deposits76.43%73.24%86.34%95.95%31st pctl178 / 258
Loans / Assets68.00%63.01%72.27%78.40%34th pctl170 / 258
Brokered Deposits / Depositsn/aNot reported for this institution