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First Peoples Bank of Tennessee

Jefferson City, TN · Cert 21874 · First Peoples Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

44

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

First Peoples Bank of Tennessee

Jefferson City, TN · Cert 21874 · First Peoples Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$219.5MAssets
$160.1MLoans
$188.3MDeposits
$21.9MEquity
Loan mix
85%RE $127.8M11%C&I $16.8M4%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $147.3M22%Noninterest $41.0MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.96%Q2 ’255.48%Q2 ’26+35%+18%

Non-interest income vs. expense

2.52%Q2 ’242.91%Q2 ’252.95%Q2 ’26+17%+2%

Market Position · Morristown, TN · 2026 SOD (annual) · 5.9% share · #7 of 12 inst. · $0.1B of $2.4B

11.2% Jefferson
0.2% Knox
1.9% Hamblen

Executive Summary

  • Earnings: ROA of 1.08%, up 41 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.08% of loans (+6 bps YoY), with net recoveries of 1.06%.
  • Capital: tier 1 leverage ratio of 11.41%, up 7 bps from a year ago.
  • Funding: loans stand at 85.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+62 bps YoY

Efficiency Ratio (YTD, annualized)

67.05%-930 bps YoY

Tier 1 Leverage Ratio

11.41%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.71%0.71%1.08%1.08%+41 bps
Return on Equity7.71%8.09%8.00%11.43%11.20%+349 bps
Net Interest Margin3.52%3.53%3.61%4.13%4.14%+62 bps
Efficiency Ratio76.35%74.81%71.80%66.95%67.05%-930 bps
Non-Interest Burden2.63%2.58%2.53%2.68%2.69%+5 bps
Growth
Asset Growth (YoY)0.63%4.84%5.67%4.13%3.42%+280 bps
Loan Growth (YoY)5.13%4.56%2.59%9.73%10.42%+529 bps
Deposit Growth (YoY)-1.44%6.42%3.21%1.64%1.98%+342 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.09%0.08%0.08%+6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-1.06%-106 bps
Allowance / Loans1.66%1.62%1.63%1.55%2.04%+38 bps
Allowance Coverage of NPLs86.2x18.3x18.3x18.4x25.1x-61.1x
Capital
Tier 1 Leverage Ratio11.34%11.34%11.37%11.25%11.41%+7 bps
Total Risk-Based Capital16.35%15.61%15.44%15.15%15.20%-116 bps
Equity / Assets9.15%9.25%9.33%9.65%9.97%+82 bps
Liquidity & Funding
Loans / Deposits78.53%76.71%75.40%81.48%85.03%+650 bps
Liquid Assets / Assets0.55%0.61%0.61%0.62%0.64%+8 bps
CRE / Total Capitaln/a354%372%382%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

First Peoples Bank of Tennessee

Jefferson City, TN · Cert 21874 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Peoples Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$219.5MAssets
$160.1MLoans
$188.3MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets operating in a single state (rank 182 of 743).
  • Widest gap: equity / assets trails 58% of banks under $1B in assets operating in a single state (rank 432 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.10%

Rank 351 of 746

Net Interest Margin

4.14%

Rank 195 of 746

Efficiency Ratio

67.05%

Rank 422 of 746

Equity / Assets

9.97%

Rank 432 of 746

Non-interest income vs. expense

$0.6M$6.5MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
Bank 67.05%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.72%1.06%1.45%Beats 53%351 / 746
Return on Equity11.04%6.74%10.51%13.63%Beats 55%336 / 746
Net Interest Margin4.14%3.17%3.68%4.16%Beats 74%195 / 746
Efficiency Ratio67.05%55.74%64.58%75.47%Beats 44%422 / 746
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.42%1.07%Beats 76%182 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 67%246 / 743
Capital
Tier 1 Capital Ratio13.94%11.55%13.75%17.60%Beats 52%359 / 746
Total Risk-Based Capital Ratio15.20%11.71%14.33%18.43%Beats 57%318 / 746
Equity / Assets9.97%8.90%10.51%13.06%Beats 42%432 / 746
Liquidity & Funding
Loans / Deposits85.03%61.31%78.27%90.78%65th pctl264 / 746
Loans / Assets72.94%53.60%66.97%76.08%66th pctl255 / 746
Brokered Deposits / Depositsn/aNot reported for this institution