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Carroll Bank and Trust

Huntingdon, TN · Cert 2380 · Carroll Financial Services Inc.

State charter, Fed member · FED · 10 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

38

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

Carroll Bank and Trust

Huntingdon, TN · Cert 2380 · Carroll Financial Services Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$662.1MAssets
$501.5MLoans
$605.5MDeposits
$50.2MEquity
Loan mix
86%RE $390.2M9%C&I $39.3M6%Consumer $25.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $505.6M17%Noninterest $99.9MQ2 2025Q2 2026

NIM

5.61%Q2 ’245.67%Q2 ’255.83%Q2 ’26+6%+5%

Non-interest income vs. expense

3.08%Q2 ’242.88%Q2 ’253.05%Q2 ’26-6%+5%

Market Position · Jackson, TN · 2026 SOD (annual) · 2.0% share · #12 of 23 inst. · $0.1B of $4.3B

43.3% Carroll
12.4% Benton
7.6% Gibson
3.3% Henry

Executive Summary

  • Earnings: ROA of 0.89%, unchanged from a year ago; NIM at 3.59%.
  • Asset quality: problem loans at 1.36% of loans (+44 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.25%, up 16 bps from a year ago.
  • Funding: loans stand at 82.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%0 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+16 bps YoY

Efficiency Ratio (YTD, annualized)

70.08%+36 bps YoY

Tier 1 Leverage Ratio

8.25%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.90%0.97%0.76%0.89%0 bps
Return on Equity12.18%12.31%13.24%10.20%11.82%-36 bps
Net Interest Margin3.43%3.43%3.42%3.57%3.59%+16 bps
Efficiency Ratio69.71%70.01%69.79%73.18%70.08%+36 bps
Non-Interest Burden2.17%2.18%2.16%2.41%2.28%+11 bps
Growth
Asset Growth (YoY)20.70%16.55%18.18%14.84%9.37%-1,133 bps
Loan Growth (YoY)12.15%11.09%16.40%14.31%15.46%+330 bps
Deposit Growth (YoY)22.93%19.52%18.10%14.80%8.76%-1,417 bps
Asset Quality
Nonperforming Loans / Loans0.91%0.93%1.00%1.05%1.36%+44 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.08%0.10%+7 bps
Allowance / Loans0.79%0.79%0.80%0.83%0.79%0 bps
Allowance Coverage of NPLs0.9x0.9x0.8x0.8x0.6x-0.3x
Capital
Tier 1 Leverage Ratio8.09%8.07%8.29%8.18%8.25%+16 bps
Total Risk-Based Capital12.74%12.76%12.65%13.08%12.78%+3 bps
Equity / Assets7.10%7.40%7.46%7.43%7.59%+48 bps
Liquidity & Funding
Loans / Deposits78.01%79.23%79.91%78.12%82.82%+480 bps
Liquid Assets / Assets7.41%6.91%6.06%7.01%3.62%-379 bps
CRE / Total Capitaln/a256%261%262%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

Carroll Bank and Trust

Huntingdon, TN · Cert 2380 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Carroll Financial Services Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$662.1MAssets
$501.5MLoans
$605.5MDeposits
$50.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 60% of banks under $1B in assets operating in a single state (rank 297 of 746).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets operating in a single state (rank 673 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.88%

Rank 474 of 746

Net Interest Margin

3.59%

Rank 406 of 746

Efficiency Ratio

70.08%

Rank 466 of 746

Equity / Assets

7.59%

Rank 673 of 746

Non-interest income vs. expense

$5.0M$20.1MINCOMEEXPENSE
Unfavorable gap of $15.0M · efficiency ratio beats 38% of banks under $1B in assets operating in a single state
Bank 70.08%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.72%1.06%1.45%Beats 36%474 / 746
Return on Equity11.57%6.74%10.51%13.63%Beats 60%297 / 746
Net Interest Margin3.59%3.17%3.68%4.16%Beats 46%406 / 746
Efficiency Ratio70.08%55.74%64.58%75.47%Beats 38%466 / 746
Asset Quality
Nonperforming Loans / Loans1.36%0.09%0.42%1.07%Beats 19%603 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 23%572 / 743
Capital
Tier 1 Capital Ratio11.88%11.55%13.75%17.60%Beats 30%521 / 746
Total Risk-Based Capital Ratio12.78%11.71%14.33%18.43%Beats 34%490 / 746
Equity / Assets7.59%8.90%10.51%13.06%Beats 10%673 / 746
Liquidity & Funding
Loans / Deposits82.82%61.31%78.27%90.78%60th pctl301 / 746
Loans / Assets75.75%53.60%66.97%76.08%73rd pctl199 / 746
Brokered Deposits / Depositsn/aNot reported for this institution