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First Federal Bank

Dickson, TN · Cert 29782 · Southeastern Bcorp Inc.

SI · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

78

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

First Federal Bank

Dickson, TN · Cert 29782 · Southeastern Bcorp Inc.

SI · FDIC · 17 branches

Q2 2026

$1.1BAssets
$686.7MLoans
$978.6MDeposits
$115.9MEquity
Loan mix
92%RE $576.6M5%C&I $28.7M3%Consumer $19.2MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $810.2M17%Noninterest $168.5MQ3 2024Q2 2026

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.5% share · #26 of 62 inst. · $0.5B of $107.8B

29.3% Dickson
6.0% Montgomery
40.4% Humphreys
12.3% Hickman

Executive Summary

  • Earnings: ROA of 1.36%, down 9 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.52% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.48%, down 40 bps from a year ago.
  • Funding: loans stand at 70.17% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.36%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-11 bps YoY

Efficiency Ratio (YTD, annualized)

50.07%+113 bps YoY

Tier 1 Leverage Ratio

10.48%-40 bps YoY

NIM

4.60%Q2 ’244.58%Q2 ’254.75%Q2 ’26+5%-3%

Non-interest income vs. expense

2.07%Q2 ’241.94%Q2 ’251.90%Q2 ’26-22%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.25%1.39%1.45%1.32%1.34%1.27%1.36%-9 bps
Return on Equity11.48%12.27%12.96%13.68%12.51%12.69%12.15%13.03%-65 bps
Net Interest Margin3.14%3.32%3.19%3.23%3.09%3.07%3.04%3.12%-11 bps
Efficiency Ratio57.26%56.51%49.07%48.95%50.26%50.35%50.43%50.07%+113 bps
Non-Interest Burden1.61%1.69%1.23%1.24%1.23%1.23%1.23%1.26%+2 bps
Growth
Asset Growth (YoY)2.58%0.12%-1.45%7.09%6.74%9.22%12.58%5.34%-175 bps
Loan Growth (YoY)-1.50%-1.51%-3.36%1.84%5.55%8.09%15.46%15.84%+1,400 bps
Deposit Growth (YoY)1.49%-0.57%-2.51%6.79%6.68%9.36%13.42%5.07%-172 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.56%0.44%0.57%0.39%0.43%0.60%0.52%-4 bps
Net Charge-Offs / Loans0.05%0.11%0.03%0.00%0.21%0.15%0.00%0.01%+1 bps
Allowance / Loans2.09%2.00%2.09%2.06%2.01%2.03%2.03%1.96%-10 bps
Allowance Coverage of NPLs11.8x3.5x4.8x3.6x5.1x4.7x3.4x3.7x+0.1x
Capital
Tier 1 Leverage Ratio10.53%10.73%11.04%10.88%10.47%10.55%10.48%10.48%-40 bps
Total Risk-Based Capital10.53%10.73%11.04%10.88%10.47%10.55%10.48%10.48%-40 bps
Equity / Assets10.42%10.58%10.90%10.37%10.49%10.58%10.40%10.43%+6 bps
Liquidity & Funding
Loans / Deposits65.24%66.52%66.33%63.65%64.55%65.75%67.53%70.17%+653 bps
Liquid Assets / Assets26.52%25.75%26.12%30.01%31.02%29.57%27.95%25.03%-498 bps
CRE / Total Capitaln/an/an/an/a212%212%232%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

First Federal Bank

Dickson, TN · Cert 29782 · Peer group: banks $1B-$10B in assets (n=322-328) · Southeastern Bcorp Inc.

SI · FDIC · 17 branches

Q2 2026

$1.1BAssets
$686.7MLoans
$978.6MDeposits
$115.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 78% of banks $1B-$10B in assets (rank 72 of 328).
  • Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets (rank 309 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.34%

Rank 122 of 328

Net Interest Margin

3.12%

Rank 232 of 328

Efficiency Ratio

50.73%

Rank 72 of 328

Equity / Assets

10.43%

Rank 161 of 328

Non-interest income vs. expense

$7.1M$21.0MINCOMEEXPENSE
Unfavorable gap of $13.9M · efficiency ratio beats 78% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.34%0.91%1.22%1.52%Beats 63%122 / 328n/a
Return on Equity12.88%8.43%11.45%14.43%Beats 62%125 / 328n/a
Net Interest Margin3.12%3.03%3.45%3.83%Beats 29%232 / 328n/a
Efficiency Ratio50.73%51.61%59.56%67.53%Beats 78%72 / 328n/a
Asset Quality
Nonperforming Loans / Loans0.52%0.24%0.51%1.03%Beats 49%164 / 322n/a
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 62%124 / 322n/a
Capital
Tier 1 Capital Ratio10.48%11.75%13.15%15.47%Beats 9%300 / 328n/a
Total Risk-Based Capital Ratio10.48%12.63%14.15%16.46%Beats 6%309 / 328n/a
Equity / Assets10.43%9.15%10.33%12.01%Beats 51%161 / 328n/a
Liquidity & Funding
Loans / Deposits70.17%76.63%87.92%95.36%15th pctl274 / 323n/a
Loans / Assets61.77%65.18%74.15%79.98%20th pctl262 / 328n/a
Brokered Deposits / Depositsn/aNot reported for this institution