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Bank of Cleveland

Cleveland, TN · Cert 26955

FDIC · 5 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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=528 to 576). 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

84

Q2 2024Q2 2025peer median (50)

Asset Quality

100

Q2 2024Q2 2025peer median (50)

Profitability

45

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

95

Q2 2024Q2 2025peer 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 Cleveland

Cleveland, TN · Cert 26955

FDIC · 5 branches

Q2 2025

$381.2MAssets
$287.6MLoans
$282.1MDeposits
$93.0MEquity
Loan mix
95%RE $177.6M4%C&I $7.8M0%Consumer $0.9MQ3 2023Q2 2025
Deposit mix
76%Interest-bearing $213.3M24%Noninterest $68.8MQ3 2023Q2 2025

Market Position · Cleveland, TN · 2025 SOD (annual) · 10.2% share · #6 of 15 inst. · $0.3B of $2.8B

Executive Summary

  • Earnings: ROA of 0.66%, down 138 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.15%, down 2 bps from a year ago.
  • Funding: loans stand at 101.93% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

0.66%-138 bps YoY

Net Interest Margin (YTD, annualized)

4.21%-31 bps YoY

Efficiency Ratio (YTD, annualized)

35.25%-1,487 bps YoY

Tier 1 Leverage Ratio

18.15%-2 bps YoY

NIM

4.81%Q2 ’235.72%Q2 ’244.58%Q2 ’25+9%-7%

Non-interest income vs. expense

2.45%Q2 ’232.59%Q2 ’241.86%Q2 ’25+6%-24%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets2.04%1.99%2.07%2.04%2.08%2.32%-1.67%0.66%-138 bps
Return on Equity13.34%12.94%12.85%12.44%12.37%13.67%-8.02%3.00%-944 bps
Net Interest Margin4.20%4.18%4.54%4.53%4.59%4.68%2.10%4.21%-31 bps
Efficiency Ratio49.24%49.64%49.16%50.12%50.07%47.14%33.92%35.25%-1,487 bps
Non-Interest Burden1.63%1.69%1.92%1.94%1.98%1.71%0.72%1.47%-47 bps
Growth
Asset Growth (YoY)-3.58%-1.07%0.69%-0.40%-3.02%-2.55%5.50%8.39%+879 bps
Loan Growth (YoY)11.85%4.51%5.89%5.76%8.31%9.39%5.76%6.19%+43 bps
Deposit Growth (YoY)-5.95%-2.72%-0.83%-2.35%-4.39%-6.55%-2.11%0.27%+262 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.22%-0.11%-0.07%-0.05%0.00%0.00%+11 bps
Allowance / Loans1.15%1.13%1.17%1.14%1.11%1.08%1.11%1.08%-7 bps
Allowance Coverage of NPLs46.1xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.30%17.31%17.70%18.17%18.54%19.33%18.38%18.15%-2 bps
Total Risk-Based Capital23.88%25.42%26.03%24.15%23.93%24.03%23.44%23.31%-84 bps
Equity / Assets15.64%15.89%16.35%17.04%18.01%17.62%23.77%24.40%+736 bps
Liquidity & Funding
Loans / Deposits88.94%88.21%90.88%96.25%100.76%103.25%98.19%101.93%+568 bps
Liquid Assets / Assets8.23%10.47%11.14%7.18%3.27%5.04%14.10%12.29%+511 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

Bank of Cleveland

Cleveland, TN · Cert 26955 · Peer group: banks under $1B in assets (n=528-576)

FDIC · 5 branches

Q2 2025

$381.2MAssets
$287.6MLoans
$282.1MDeposits
$93.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 84 of 528).
  • Widest gap: return on equity trails 84% of banks under $1B in assets (rank 482 of 575).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.64%

Rank 385 of 576

Net Interest Margin

4.21%

Rank 85 of 575

Efficiency Ratio

43.39%

Rank 28 of 575

Equity / Assets

24.40%

Rank 61 of 575

Non-interest income vs. expense

$1.5M$7.1MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 95% of banks under $1B in assets
Bank 43.39%Peer median 70.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.64%0.51%0.91%1.43%Beats 33%385 / 576
Return on Equity2.64%4.85%8.92%13.13%Beats 16%482 / 575
Net Interest Margin4.21%2.85%3.33%3.90%Beats 85%85 / 575
Efficiency Ratio43.39%58.61%70.08%82.08%Beats 95%28 / 575
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%0.93%Beats 100%84 / 528
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%156 / 528
Capital
Tier 1 Capital Ratio22.22%11.22%13.91%18.96%Beats 81%109 / 575
Total Risk-Based Capital Ratio23.31%11.76%14.45%19.92%Beats 81%108 / 575
Equity / Assets24.40%8.53%10.12%12.97%Beats 89%61 / 575
Liquidity & Funding
Loans / Deposits101.93%64.54%78.36%91.99%91st pctl47 / 538
Loans / Assets75.44%55.85%68.40%77.98%69th pctl166 / 528
Brokered Deposits / Depositsn/aNot reported for this institution