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Commercial Bank

Harrogate, TN · Cert 22354 · Commercial Bancgroup Inc.

State charter, Fed member · FED · 36 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

13

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

Commercial Bank

Harrogate, TN · Cert 22354 · Commercial Bancgroup Inc.

State charter, Fed member · FED · 36 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$1.9BDeposits
$261.9MEquity
Loan mix
92%RE $1.7B7%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.4B24%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.43%Q2 ’245.52%Q2 ’255.29%Q2 ’26+5%+3%

Non-interest income vs. expense

1.78%Q2 ’241.84%Q2 ’251.78%Q2 ’26+6%-7%

Market Position · Knoxville, TN · 2026 SOD (annual) · 0.9% share · #19 of 42 inst. · $0.2B of $26.6B

53.2% Claiborne
18.3% Laurel
26.4% Cocke
32.5% Knox

Executive Summary

  • Earnings: ROA of 1.82%, up 11 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.35% of loans (+2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.58%, up 36 bps from a year ago.
  • Funding: loans stand at 101.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+10 bps YoY

Efficiency Ratio (YTD, annualized)

40.80%-283 bps YoY

Tier 1 Leverage Ratio

11.58%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.74%1.77%1.81%1.82%+11 bps
Return on Equity15.71%15.68%16.05%16.88%16.72%+101 bps
Net Interest Margin3.64%3.82%3.73%3.68%3.75%+10 bps
Efficiency Ratio43.62%43.51%42.99%41.32%40.80%-283 bps
Non-Interest Burden1.43%1.48%1.43%1.33%1.33%-9 bps
Growth
Asset Growth (YoY)14.12%-1.81%-0.38%2.79%5.24%-888 bps
Loan Growth (YoY)16.97%1.01%3.72%5.46%8.42%-855 bps
Deposit Growth (YoY)15.13%-6.00%-4.28%1.27%2.95%-1,218 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.31%0.34%0.31%0.35%+2 bps
Net Charge-Offs / Loans0.02%0.02%0.03%-0.02%-0.01%-3 bps
Allowance / Loans1.01%1.02%0.97%0.97%0.97%-4 bps
Allowance Coverage of NPLs3.1x3.3x2.9x3.1x2.8x-0.3x
Capital
Tier 1 Leverage Ratio11.22%12.03%10.80%11.14%11.58%+36 bps
Total Risk-Based Capital14.58%15.16%13.51%14.02%13.97%-62 bps
Equity / Assets11.26%11.92%10.62%10.88%11.12%-14 bps
Liquidity & Funding
Loans / Deposits96.08%98.54%100.23%97.56%101.18%+510 bps
Liquid Assets / Assets9.93%9.62%8.39%9.80%9.91%-2 bps
CRE / Total Capitaln/a465%540%524%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

Commercial Bank

Harrogate, TN · Cert 22354 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commercial Bancgroup Inc.

State charter, Fed member · FED · 36 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$1.9BDeposits
$261.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 176).
  • Widest gap: total risk-based capital ratio trails 44% of banks $1B-$10B in assets operating regionally (rank 78 of 176).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.78%

Rank 19 of 176

Net Interest Margin

3.75%

Rank 67 of 176

Efficiency Ratio

42.40%

Rank 13 of 176

Equity / Assets

11.12%

Rank 65 of 176

Non-interest income vs. expense

$10.0M$39.9MINCOMEEXPENSE
Unfavorable gap of $29.9M · efficiency ratio beats 93% of banks $1B-$10B in assets operating regionally
Bank 42.40%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.78%0.93%1.26%1.54%Beats 89%19 / 176
Return on Equity16.04%9.26%11.89%14.46%Beats 85%26 / 176
Net Interest Margin3.75%3.25%3.59%3.93%Beats 62%67 / 176
Efficiency Ratio42.40%52.79%59.55%67.66%Beats 93%13 / 176
Asset Quality
Nonperforming Loans / Loans0.35%0.30%0.64%1.32%Beats 70%53 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 91%17 / 176
Capital
Tier 1 Capital Ratio13.02%11.15%12.72%14.15%Beats 56%78 / 176
Total Risk-Based Capital Ratio13.97%11.81%13.63%15.33%Beats 56%78 / 176
Equity / Assets11.12%9.16%10.35%11.80%Beats 63%65 / 176
Liquidity & Funding
Loans / Deposits101.18%80.94%89.73%97.21%87th pctl23 / 176
Loans / Assets81.87%69.25%75.12%80.82%80th pctl35 / 176
Brokered Deposits / Depositsn/aNot reported for this institution