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Community Bank, Lexington, Tennessee

Lexington, TN · Cert 31272 · Community National Corp.

State charter, Fed member · FED · 4 branches

Q2 2026

$357.5MAssets
$301.1MLoans
$301.0MDeposits
$38.2MEquity
Loan mix
81%RE $238.6M8%C&I $24.1M11%Consumer $33.6MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $262.4M13%Noninterest $38.6MQ2 2025Q2 2026

NIM

6.27%Q2 ’246.48%Q2 ’256.32%Q2 ’26+10%+2%

Non-interest income vs. expense

3.25%Q2 ’243.38%Q2 ’253.06%Q2 ’26+4%-10%

Market Position · Jackson, TN · 2026 SOD (annual) · 1.7% share · #13 of 23 inst. · $0.1B of $4.3B

30.9% Henderson
2.0% Madison
7.5% Chester

Executive Summary

  • Earnings: ROA of 0.76%, up 21 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.71% of loans (+63 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.64%, up 175 bps from a year ago.
  • Funding: loans stand at 100.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+6 bps YoY

Efficiency Ratio (YTD, annualized)

73.42%-856 bps YoY

Tier 1 Leverage Ratio

10.64%+175 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.61%0.61%0.74%0.76%+21 bps
Return on Equity6.32%6.97%7.09%7.81%7.72%+141 bps
Net Interest Margin3.82%3.92%3.77%3.97%3.89%+6 bps
Efficiency Ratio81.98%78.97%77.04%73.36%73.42%-856 bps
Non-Interest Burden3.08%3.03%2.83%2.83%2.78%-30 bps
Growth
Asset Growth (YoY)-1.86%10.80%11.46%11.73%13.17%+1,503 bps
Loan Growth (YoY)-1.96%5.00%10.08%11.82%13.64%+1,560 bps
Deposit Growth (YoY)-3.08%10.49%9.82%5.88%9.58%+1,266 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.10%0.15%0.10%0.71%+63 bps
Net Charge-Offs / Loans0.20%0.20%0.18%0.12%0.09%-11 bps
Allowance / Loans0.93%0.87%0.91%0.91%0.90%-3 bps
Allowance Coverage of NPLs10.9x8.8x6.1x9.0x1.3x-9.6x
Capital
Tier 1 Leverage Ratio8.89%8.90%8.45%10.80%10.64%+175 bps
Total Risk-Based Capital12.48%11.94%11.29%14.34%14.19%+171 bps
Equity / Assets8.94%8.47%8.44%10.39%10.69%+175 bps
Liquidity & Funding
Loans / Deposits96.45%95.76%98.64%98.06%100.03%+358 bps
Liquid Assets / Assets0.15%0.14%0.21%0.23%0.04%-11 bps
CRE / Total Capitaln/a342%404%335%n/an/a