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Insouth Bank

Brownsville, TN · Cert 22020 · Independent S Bancshares Inc.

State charter, Fed member · FED · 7 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

23

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

Insouth Bank

Brownsville, TN · Cert 22020 · Independent S Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$591.9MAssets
$459.3MLoans
$502.8MDeposits
$45.0MEquity
Loan mix
84%RE $361.3M15%C&I $63.2M1%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $404.6M20%Noninterest $98.2MQ2 2025Q2 2026

NIM

5.90%Q2 ’245.78%Q2 ’255.66%Q2 ’26-4%-1%

Non-interest income vs. expense

3.76%Q2 ’243.68%Q2 ’253.58%Q2 ’26-1%-7%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.6% share · #30 of 48 inst. · $0.3B of $46.3B

58.8% Haywood
17.8% Tipton
0.3% Shelby
0.4% Madison

Executive Summary

  • Earnings: ROA of 0.84%, up 3 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 2.29% of loans (+70 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 8.48%, down 29 bps from a year ago.
  • Funding: loans stand at 91.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-4 bps YoY

Efficiency Ratio (YTD, annualized)

76.81%-346 bps YoY

Tier 1 Leverage Ratio

8.48%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.84%0.89%0.82%0.84%+3 bps
Return on Equity10.44%10.80%11.44%10.44%10.88%+44 bps
Net Interest Margin3.89%3.87%3.79%3.81%3.85%-4 bps
Efficiency Ratio80.27%79.04%78.14%78.34%76.81%-346 bps
Non-Interest Burden2.98%2.91%2.80%2.78%2.77%-21 bps
Growth
Asset Growth (YoY)5.28%7.38%7.82%4.67%9.75%+448 bps
Loan Growth (YoY)4.52%8.15%9.62%7.31%10.65%+613 bps
Deposit Growth (YoY)5.66%4.16%4.78%2.26%2.84%-282 bps
Asset Quality
Nonperforming Loans / Loans1.59%1.52%1.95%2.68%2.29%+70 bps
Net Charge-Offs / Loans0.01%0.10%0.15%0.09%0.14%+14 bps
Allowance / Loans1.36%1.23%1.12%1.16%1.12%-24 bps
Allowance Coverage of NPLs0.9x0.8x0.6x0.4x0.5x-0.4x
Capital
Tier 1 Leverage Ratio8.76%8.68%8.53%8.59%8.48%-29 bps
Total Risk-Based Capital11.90%11.35%11.12%11.17%11.24%-65 bps
Equity / Assets7.87%7.77%7.82%7.84%7.61%-26 bps
Liquidity & Funding
Loans / Deposits84.90%90.22%89.64%86.63%91.35%+645 bps
Liquid Assets / Assets0.33%0.34%0.22%0.23%0.21%-12 bps
CRE / Total Capitaln/a409%437%438%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

Insouth Bank

Brownsville, TN · Cert 22020 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Independent S Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$591.9MAssets
$459.3MLoans
$502.8MDeposits
$45.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 58% of banks under $1B in assets operating in a single state (rank 311 of 746).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets operating in a single state (rank 671 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.82%

Rank 507 of 746

Net Interest Margin

3.85%

Rank 311 of 746

Efficiency Ratio

76.81%

Rank 578 of 746

Equity / Assets

7.61%

Rank 671 of 746

Non-interest income vs. expense

$4.8M$21.0MINCOMEEXPENSE
Unfavorable gap of $16.3M · efficiency ratio beats 23% of banks under $1B in assets operating in a single state
Bank 76.81%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.72%1.06%1.45%Beats 32%507 / 746
Return on Equity10.82%6.74%10.51%13.63%Beats 53%350 / 746
Net Interest Margin3.85%3.17%3.68%4.16%Beats 58%311 / 746
Efficiency Ratio76.81%55.74%64.58%75.47%Beats 23%578 / 746
Asset Quality
Nonperforming Loans / Loans2.29%0.09%0.42%1.07%Beats 10%671 / 743
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 18%607 / 743
Capital
Tier 1 Capital Ratio10.19%11.55%13.75%17.60%Beats 11%665 / 746
Total Risk-Based Capital Ratio11.24%11.71%14.33%18.43%Beats 20%594 / 746
Equity / Assets7.61%8.90%10.51%13.06%Beats 10%671 / 746
Liquidity & Funding
Loans / Deposits91.35%61.31%78.27%90.78%77th pctl175 / 746
Loans / Assets77.60%53.60%66.97%76.08%79th pctl155 / 746
Brokered Deposits / Depositsn/aNot reported for this institution