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Bank of Tennessee

Kingsport, TN · Cert 21573 · Banctenn Corp.

State charter, non-member · FDIC · 23 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 regionally3

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 regionally (n=176). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

62

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

Bank of Tennessee

Kingsport, TN · Cert 21573 · Banctenn Corp.

State charter, non-member · FDIC · 23 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$1.8BDeposits
$198.0MEquity
Loan mix
89%RE $1.5B10%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $1.3B28%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Johnson City, TN · 2026 SOD (annual) · 17.8% share · #2 of 19 inst. · $0.9B of $5.3B

23.8% Sullivan
13.5% Washington
35.3% Carter
14.2% Unicoi

Executive Summary

  • Earnings: ROA of 1.46%, up 27 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.45% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.63%, down 4 bps from a year ago.
  • Funding: loans stand at 100.84% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+36 bps YoY

Efficiency Ratio (YTD, annualized)

56.71%-569 bps YoY

Tier 1 Leverage Ratio

9.63%-4 bps YoY

NIM

4.82%Q2 ’245.08%Q2 ’255.33%Q2 ’26+13%+10%

Non-interest income vs. expense

2.57%Q2 ’242.50%Q2 ’252.43%Q2 ’26-6%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.89%1.13%1.19%1.22%1.27%1.37%1.46%+27 bps
Return on Equity10.33%10.53%13.27%13.76%14.06%14.40%15.05%16.16%+240 bps
Net Interest Margin3.03%3.13%3.34%3.44%3.45%3.53%3.84%3.80%+36 bps
Efficiency Ratio70.64%69.46%64.27%62.40%61.64%60.21%58.82%56.71%-569 bps
Non-Interest Burden1.97%2.00%1.94%1.93%1.91%1.90%2.07%1.93%0 bps
Growth
Asset Growth (YoY)4.37%4.24%5.27%4.51%8.49%5.95%7.38%13.94%+943 bps
Loan Growth (YoY)4.45%3.61%4.02%0.67%2.34%4.47%9.04%16.14%+1,547 bps
Deposit Growth (YoY)4.95%6.94%4.67%8.45%11.06%5.32%4.58%1.83%-663 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.21%0.29%0.38%0.31%0.44%0.39%0.45%+6 bps
Net Charge-Offs / Loans0.06%0.05%-0.01%0.00%0.04%0.06%-0.05%0.01%+2 bps
Allowance / Loans1.00%0.98%0.97%0.98%0.95%0.95%0.93%0.87%-11 bps
Allowance Coverage of NPLs3.2x4.7x3.3x2.6x3.0x2.2x2.4x2.0x-0.6x
Capital
Tier 1 Leverage Ratio9.40%9.49%9.44%9.67%9.59%9.62%9.74%9.63%-4 bps
Total Risk-Based Capital12.86%12.47%12.60%12.92%13.04%12.86%12.69%12.29%-63 bps
Equity / Assets8.71%8.43%8.58%8.87%8.89%9.22%9.04%8.80%-7 bps
Liquidity & Funding
Loans / Deposits93.64%90.39%88.42%88.41%86.29%89.66%92.19%100.84%+1,243 bps
Liquid Assets / Assets1.06%0.98%1.11%1.24%1.05%1.08%1.07%1.08%-16 bps
CRE / Total Capitaln/an/an/an/a470%481%498%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

Bank of Tennessee

Kingsport, TN · Cert 21573 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Banctenn Corp.

State charter, non-member · FDIC · 23 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$1.8BDeposits
$198.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
  • Widest gap: equity / assets trails 81% of banks $1B-$10B in assets operating regionally (rank 142 of 176).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 65 of 176

Net Interest Margin

3.80%

Rank 59 of 176

Efficiency Ratio

56.71%

Rank 68 of 176

Equity / Assets

8.80%

Rank 142 of 176

Non-interest income vs. expense

$10.8M$53.0MINCOMEEXPENSE
Unfavorable gap of $42.1M · efficiency ratio beats 62% of banks $1B-$10B in assets operating regionally
Bank 56.71%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.38%0.93%1.26%1.54%Beats 63%65 / 176
Return on Equity15.73%9.26%11.89%14.46%Beats 84%28 / 176
Net Interest Margin3.80%3.25%3.59%3.93%Beats 66%59 / 176
Efficiency Ratio56.71%52.79%59.55%67.66%Beats 62%68 / 176
Asset Quality
Nonperforming Loans / Loans0.45%0.30%0.64%1.32%Beats 62%67 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 56%79 / 176
Capital
Tier 1 Capital Ratio11.31%11.15%12.72%14.15%Beats 29%125 / 176
Total Risk-Based Capital Ratio12.29%11.81%13.63%15.33%Beats 31%122 / 176
Equity / Assets8.80%9.16%10.35%11.80%Beats 19%142 / 176
Liquidity & Funding
Loans / Deposits100.84%80.94%89.73%97.21%85th pctl27 / 176
Loans / Assets80.82%69.25%75.12%80.82%75th pctl44 / 176
Brokered Deposits / Depositsn/aNot reported for this institution