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Town-Country National Bank

Camden, AL · Cert 22621

FDIC · 1 branch

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, 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 (n=565 to 615). 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

81

Q2 2024Q2 2024peer median (50)

Asset Quality

4

Q2 2024Q2 2024peer median (50)

Profitability

54

Q2 2024Q2 2024peer median (50)

Liquidity

48

Q2 2024Q2 2024peer median

Efficiency

45

Q2 2024Q2 2024peer 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

Town-Country National Bank

Camden, AL · Cert 22621

FDIC · 1 branch

Q2 2024

$119.9MAssets
$56.7MLoans
$91.8MDeposits
$27.4MEquity
Loan mix
51%RE $27.8M23%C&I $12.4M26%Consumer $14.1MQ3 2022Q2 2024
Deposit mix
78%Interest-bearing $71.9M22%Noninterest $19.9MQ3 2022Q2 2024

Executive Summary

  • Earnings: ROA of 0.89%, down 76 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 5.14% of loans (+368 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 21.15%, up 206 bps from a year ago.
  • Funding: loans stand at 61.73% of deposits as of Q2 2024.

Return on Assets (YTD, annualized)

0.89%-76 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-58 bps YoY

Efficiency Ratio (YTD, annualized)

73.84%+1,561 bps YoY

Tier 1 Leverage Ratio

21.15%+206 bps YoY

NIM

4.27%Q2 ’225.29%Q2 ’235.43%Q2 ’24+1%-13%

Non-interest income vs. expense

2.84%Q2 ’222.97%Q2 ’233.35%Q2 ’24+10%+17%

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.53%1.43%1.72%1.65%1.53%1.36%0.91%0.89%-76 bps
Return on Equity12.72%10.68%8.85%8.32%7.70%6.72%4.16%4.03%-429 bps
Net Interest Margin4.61%4.66%4.39%4.44%4.52%4.29%3.83%3.86%-58 bps
Efficiency Ratio55.33%56.41%56.29%58.23%59.68%61.47%73.40%73.84%+1,561 bps
Non-Interest Burden1.93%2.00%2.04%2.16%2.27%2.23%2.49%2.53%+37 bps
Growth
Asset Growth (YoY)-9.63%-4.21%-2.30%-4.53%0.54%-3.94%-3.84%-2.95%+158 bps
Loan Growth (YoY)-1.55%4.54%2.24%2.18%-3.80%-10.55%-13.64%-12.53%-1,471 bps
Deposit Growth (YoY)-9.32%-10.54%-11.21%-14.92%-8.52%-7.37%-6.27%-5.38%+954 bps
Asset Quality
Nonperforming Loans / Loans1.18%0.85%1.28%1.46%1.41%2.59%4.16%5.14%+368 bps
Net Charge-Offs / Loans-0.33%0.09%-0.21%-0.30%0.12%0.20%-0.01%0.27%+56 bps
Allowance / Loans1.51%1.43%1.96%2.11%2.05%2.02%2.16%2.05%-5 bps
Allowance Coverage of NPLs1.3x1.7x1.5x1.4x1.5x0.8x0.5x0.4x-1.0x
Capital
Tier 1 Leverage Ratio10.71%19.29%18.32%19.09%19.81%19.78%20.33%21.15%+206 bps
Total Risk-Based Capital10.71%19.29%18.32%19.09%19.81%19.78%20.33%21.15%+206 bps
Equity / Assets11.04%18.83%19.94%20.73%20.15%21.61%22.05%22.85%+212 bps
Liquidity & Funding
Loans / Deposits60.82%64.54%65.52%66.77%63.96%62.32%60.37%61.73%-504 bps
Liquid Assets / Assets0.48%0.57%0.63%0.60%0.64%1.28%1.96%2.14%+154 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Town-Country National Bank

Camden, AL · Cert 22621 · Peer group: banks under $1B in assets (n=565-615)

FDIC · 1 branch

Q2 2024

$119.9MAssets
$56.7MLoans
$91.8MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks under $1B in assets (rank 66 of 614).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 560 of 565).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.91%

Rank 257 of 615

Net Interest Margin

3.86%

Rank 127 of 608

Efficiency Ratio

75.04%

Rank 338 of 614

Equity / Assets

22.85%

Rank 66 of 614

Non-interest income vs. expense

$1.0M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 45% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.91%0.38%0.78%1.22%Beats 58%257 / 615n/a
Return on Equity3.99%4.20%7.94%12.05%Beats 24%465 / 614n/a
Net Interest Margin3.86%2.66%3.18%3.74%Beats 79%127 / 608n/a
Efficiency Ratio75.04%61.61%72.96%85.16%Beats 45%338 / 614n/a
Asset Quality
Nonperforming Loans / Loans5.14%0.07%0.29%0.76%Beats 1%560 / 565n/a
Net Charge-Offs / Loans0.30%n/a0.01%0.04%Beats 6%533 / 565n/a
Capital
Tier 1 Capital Ratio21.15%11.66%14.13%19.83%Beats 77%139 / 614n/a
Total Risk-Based Capital Ratio21.15%12.30%15.08%20.79%Beats 76%150 / 614n/a
Equity / Assets22.85%7.99%9.79%12.86%Beats 89%66 / 614n/a
Liquidity & Funding
Loans / Deposits61.73%63.02%78.97%92.93%23rd pctl442 / 576n/a
Loans / Assets47.28%54.23%67.08%77.53%15th pctl481 / 565n/a
Brokered Deposits / Depositsn/aNot reported for this institution