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Banktennessee

Collierville, TN · Cert 29177 · Banktennessee Bancshares 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 assets3

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 (n=581 to 629). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

50

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

Banktennessee

Collierville, TN · Cert 29177 · Banktennessee Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$630.3MAssets
$503.9MLoans
$548.4MDeposits
$61.7MEquity
Loan mix
85%RE $424.1M13%C&I $65.8M1%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $458.6M16%Noninterest $89.8MQ2 2025Q2 2026

NIM

5.77%Q2 ’245.77%Q2 ’255.69%Q2 ’26+2%+8%

Non-interest income vs. expense

2.45%Q2 ’242.50%Q2 ’252.53%Q2 ’26+9%+14%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.8% share · #23 of 48 inst. · $0.4B of $46.3B

0.9% Shelby
1.4% Wilson
11.5% Lauderdale
4.1% Tipton

Executive Summary

  • Earnings: ROA of 0.87%, down 4 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.20% of loans (+24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.73%, up 42 bps from a year ago.
  • Funding: loans stand at 91.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+26 bps YoY

Efficiency Ratio (YTD, annualized)

67.88%+57 bps YoY

Tier 1 Leverage Ratio

9.73%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.91%0.89%0.85%0.87%-4 bps
Return on Equity9.92%9.77%9.48%8.73%8.90%-102 bps
Net Interest Margin3.25%3.28%3.32%3.51%3.51%+26 bps
Efficiency Ratio67.31%67.79%67.79%67.90%67.88%+57 bps
Non-Interest Burden2.02%2.08%2.12%2.30%2.30%+27 bps
Growth
Asset Growth (YoY)4.13%0.75%0.33%1.15%3.45%-67 bps
Loan Growth (YoY)-0.64%-1.93%1.13%1.42%2.54%+319 bps
Deposit Growth (YoY)5.63%1.86%1.90%1.09%3.83%-181 bps
Asset Quality
Nonperforming Loans / Loans0.97%0.86%0.95%1.06%1.20%+24 bps
Net Charge-Offs / Loans-0.05%0.08%0.06%0.01%0.00%+6 bps
Allowance / Loans1.31%1.22%1.22%1.26%1.28%-3 bps
Allowance Coverage of NPLs1.4x1.4x1.3x1.2x1.1x-0.3x
Capital
Tier 1 Leverage Ratio9.30%9.39%9.58%9.71%9.73%+42 bps
Total Risk-Based Capital12.76%12.92%13.01%13.26%13.30%+54 bps
Equity / Assets9.34%9.72%9.71%9.82%9.78%+44 bps
Liquidity & Funding
Loans / Deposits93.02%94.06%94.38%93.75%91.87%-115 bps
Liquid Assets / Assets8.94%7.88%6.37%7.27%7.83%-112 bps
CRE / Total Capitaln/a319%316%316%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

Banktennessee

Collierville, TN · Cert 29177 · Peer group: banks under $1B in assets (n=581-629) · Banktennessee Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$630.3MAssets
$503.9MLoans
$548.4MDeposits
$61.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 50% of banks under $1B in assets (rank 316 of 629).
  • Widest gap: nonperforming loans / loans trails 75% of banks under $1B in assets (rank 436 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.86%

Rank 391 of 629

Net Interest Margin

3.51%

Rank 326 of 629

Efficiency Ratio

67.88%

Rank 316 of 629

Equity / Assets

9.78%

Rank 398 of 629

Non-interest income vs. expense

$1.5M$15.7MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 50% of banks under $1B in assets
Bank 67.88%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.60%1.01%1.45%Beats 38%391 / 629
Return on Equity8.76%5.38%9.30%13.28%Beats 45%346 / 629
Net Interest Margin3.51%3.03%3.54%4.05%Beats 48%326 / 629
Efficiency Ratio67.88%58.35%67.79%79.08%Beats 50%316 / 629
Asset Quality
Nonperforming Loans / Loans1.20%0.09%0.46%1.20%Beats 25%436 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 48%307 / 581
Capital
Tier 1 Capital Ratio12.05%11.24%13.84%18.77%Beats 34%416 / 629
Total Risk-Based Capital Ratio13.30%11.58%14.43%19.66%Beats 41%371 / 629
Equity / Assets9.78%9.09%10.65%13.80%Beats 37%398 / 629
Liquidity & Funding
Loans / Deposits91.87%67.24%80.90%93.48%73rd pctl162 / 594
Loans / Assets79.94%53.31%67.71%78.15%81st pctl119 / 629
Brokered Deposits / Depositsn/aNot reported for this institution