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Bank of Bartlett

Bartlett, TN · Cert 23123 · West Tennessee 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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

17

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 Bartlett

Bartlett, TN · Cert 23123 · West Tennessee Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$551.8MAssets
$384.9MLoans
$466.1MDeposits
$39.6MEquity
Loan mix
92%RE $355.9M6%C&I $22.1M2%Consumer $7.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $386.7M17%Noninterest $79.3MQ2 2025Q2 2026

NIM

4.59%Q2 ’244.76%Q2 ’254.95%Q2 ’26+9%+10%

Non-interest income vs. expense

3.17%Q2 ’243.17%Q2 ’253.56%Q2 ’260%+11%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.0% share · #19 of 48 inst. · $0.5B of $46.3B

Executive Summary

  • Earnings: ROA of 0.65%, up 11 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.98% of loans (+8 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.51%, up 79 bps from a year ago.
  • Funding: loans stand at 82.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+33 bps YoY

Efficiency Ratio (YTD, annualized)

80.24%+53 bps YoY

Tier 1 Leverage Ratio

8.51%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.58%0.57%0.58%0.65%+11 bps
Return on Equity9.55%9.88%9.37%8.39%9.31%-24 bps
Net Interest Margin3.17%3.23%3.37%3.45%3.50%+33 bps
Efficiency Ratio79.71%79.44%79.80%82.84%80.24%+53 bps
Non-Interest Burden2.36%2.40%2.51%2.72%2.63%+26 bps
Growth
Asset Growth (YoY)2.08%0.42%-2.34%-4.45%-6.31%-838 bps
Loan Growth (YoY)7.15%4.49%1.88%-0.39%-1.98%-913 bps
Deposit Growth (YoY)2.82%4.88%3.06%2.18%0.78%-204 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.63%0.78%0.82%0.98%+8 bps
Net Charge-Offs / Loans0.05%0.05%0.04%0.04%0.04%0 bps
Allowance / Loans0.88%0.89%0.90%0.90%0.92%+4 bps
Allowance Coverage of NPLs1.0x1.4x1.1x1.1x0.9x0.0x
Capital
Tier 1 Leverage Ratio7.71%7.80%8.14%8.36%8.51%+79 bps
Total Risk-Based Capital13.41%13.73%14.13%14.42%8.51%-490 bps
Equity / Assets5.96%6.29%6.82%6.98%7.18%+121 bps
Liquidity & Funding
Loans / Deposits84.91%84.58%84.82%82.56%82.58%-233 bps
Liquid Assets / Assets0.97%0.73%0.25%0.45%0.52%-45 bps
CRE / Total Capitaln/a184.05%169.40%167.48%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 Bartlett

Bartlett, TN · Cert 23123 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · West Tennessee Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$551.8MAssets
$384.9MLoans
$466.1MDeposits
$39.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 41% of banks under $1B in assets operating in a single state (rank 442 of 746).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets operating in a single state (rank 744 of 746).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.66%

Rank 581 of 746

Net Interest Margin

3.50%

Rank 447 of 746

Efficiency Ratio

80.24%

Rank 620 of 746

Equity / Assets

7.18%

Rank 686 of 746

Non-interest income vs. expense

$5.3M$20.1MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state
Bank 80.24%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.72%1.06%1.45%Beats 22%581 / 746
Return on Equity9.16%6.74%10.51%13.63%Beats 41%442 / 746
Net Interest Margin3.50%3.17%3.68%4.16%Beats 40%447 / 746
Efficiency Ratio80.24%55.74%64.58%75.47%Beats 17%620 / 746
Asset Quality
Nonperforming Loans / Loans0.98%0.09%0.42%1.07%Beats 28%537 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 38%463 / 743
Capital
Tier 1 Capital Ratio8.51%11.55%13.75%17.60%Beats 0%744 / 746
Total Risk-Based Capital Ratio8.51%11.71%14.33%18.43%Beats 0%744 / 746
Equity / Assets7.18%8.90%10.51%13.06%Beats 8%686 / 746
Liquidity & Funding
Loans / Deposits82.58%61.31%78.27%90.78%59th pctl307 / 746
Loans / Assets69.74%53.60%66.97%76.08%57th pctl322 / 746
Brokered Deposits / Depositsn/aNot reported for this institution