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Greeneville Federal Bank, F.S.B.

Greeneville, TN · Cert 31198

State savings bank · OCC · 3 branches

Q2 2026

$203.9MAssets
$170.9MLoans
$162.3MDeposits
$31.7MEquity
Loan mix
95%RE $164.3M4%C&I $7.5M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $138.0M15%Noninterest $24.3MQ2 2025Q2 2026

NIM

6.08%Q2 ’246.13%Q2 ’256.95%Q2 ’26+8%+18%

Non-interest income vs. expense

3.30%Q2 ’243.26%Q2 ’253.30%Q2 ’26+24%+4%

Executive Summary

  • Earnings: ROA of 1.60%, up 54 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 2.06% of loans (+13 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 15.59%, up 11 bps from a year ago.
  • Funding: loans stand at 105.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.60%+54 bps YoY

Net Interest Margin (quarter, annualized)

5.20%+79 bps YoY

Efficiency Ratio (quarter, annualized)

60.73%-835 bps YoY

Tier 1 Leverage Ratio

15.59%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.32%0.86%0.87%1.60%+54 bps
Return on Equity6.97%8.77%5.83%5.85%10.48%+351 bps
Net Interest Margin4.41%4.46%4.31%4.23%5.20%+79 bps
Efficiency Ratio69.08%64.43%80.70%72.97%60.73%-835 bps
Non-Interest Burden2.95%2.74%3.42%3.03%3.07%+12 bps
Growth
Asset Growth (YoY)7.33%8.61%8.31%7.25%6.87%-47 bps
Loan Growth (YoY)6.33%8.66%7.76%8.16%7.13%+80 bps
Deposit Growth (YoY)5.38%3.46%5.31%5.91%8.03%+265 bps
Asset Quality
Nonperforming Loans / Loans1.93%2.05%2.00%1.91%2.06%+13 bps
Net Charge-Offs / Loans0.01%-0.07%0.02%0.00%-0.08%-8 bps
Allowance / Loans1.32%1.24%1.23%1.21%1.23%-9 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.6x0.6x-0.1x
Capital
Tier 1 Leverage Ratio15.48%15.03%15.02%15.04%15.59%+11 bps
Total Risk-Based Capital22.78%21.83%22.03%22.17%23.39%+61 bps
Equity / Assets15.36%14.83%14.85%15.01%15.54%+18 bps
Liquidity & Funding
Loans / Deposits106.20%112.10%108.66%109.83%105.32%-88 bps
Liquid Assets / Assets9.66%9.54%9.89%9.39%9.89%+23 bps
CRE / Total Capitaln/a248%239%240%n/an/a