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Central Bank

Savannah, TN · Cert 31545

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

39

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

Central Bank

Savannah, TN · Cert 31545

State charter, non-member · FDIC · 3 branches

Q2 2026

$160.2MAssets
$115.2MLoans
$141.1MDeposits
$17.5MEquity
Loan mix
85%RE $93.4M9%C&I $10.4M5%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $93.1M34%Noninterest $48.1MQ2 2025Q2 2026

NIM

4.78%Q2 ’245.01%Q2 ’255.28%Q2 ’26+3%+6%

Non-interest income vs. expense

3.27%Q2 ’243.38%Q2 ’253.20%Q2 ’26+9%-5%

Executive Summary

  • Earnings: ROA of 0.75%, down 11 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (-11 bps YoY), with net charge-offs at 0.62%.
  • Capital: tier 1 leverage ratio of 11.95%, down 70 bps from a year ago.
  • Funding: loans stand at 81.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+21 bps YoY

Efficiency Ratio (YTD, annualized)

69.18%-661 bps YoY

Tier 1 Leverage Ratio

11.95%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.80%0.83%0.99%0.75%-11 bps
Return on Equity7.75%7.17%7.51%9.21%6.89%-85 bps
Net Interest Margin3.62%3.61%3.59%3.76%3.83%+21 bps
Efficiency Ratio75.79%77.61%76.51%70.71%69.18%-661 bps
Non-Interest Burden2.54%2.62%2.55%2.41%2.40%-14 bps
Growth
Asset Growth (YoY)2.55%5.71%13.02%17.65%10.15%+760 bps
Loan Growth (YoY)11.83%14.69%21.45%22.73%24.71%+1,288 bps
Deposit Growth (YoY)1.06%5.47%13.07%18.51%10.53%+947 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.10%0.09%0.88%0.00%-11 bps
Net Charge-Offs / Loans0.05%0.04%0.04%-0.04%0.62%+57 bps
Allowance / Loans1.22%1.15%1.07%1.04%1.00%-21 bps
Allowance Coverage of NPLs10.8x11.2x11.6x1.2x1154.0x+1143.2x
Capital
Tier 1 Leverage Ratio12.65%12.55%12.39%12.11%11.95%-70 bps
Total Risk-Based Capital23.48%22.90%21.99%21.33%21.04%-244 bps
Equity / Assets11.03%11.45%11.08%10.51%10.90%-13 bps
Liquidity & Funding
Loans / Deposits72.37%76.37%77.54%76.15%81.65%+928 bps
Liquid Assets / Assets7.03%3.60%5.85%8.17%2.75%-429 bps
CRE / Total Capitaln/a155.45%173.03%202%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

Central Bank

Savannah, TN · Cert 31545 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 3 branches

Q2 2026

$160.2MAssets
$115.2MLoans
$141.1MDeposits
$17.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets operating in a single state (rank 110 of 743).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 709 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.74%

Rank 549 of 746

Net Interest Margin

3.83%

Rank 320 of 746

Efficiency Ratio

69.18%

Rank 453 of 746

Equity / Assets

10.90%

Rank 331 of 746

Non-interest income vs. expense

$1.3M$5.2MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state
Bank 69.18%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.72%1.06%1.45%Beats 26%549 / 746
Return on Equity6.80%6.74%10.51%13.63%Beats 25%556 / 746
Net Interest Margin3.83%3.17%3.68%4.16%Beats 57%320 / 746
Efficiency Ratio69.18%55.74%64.58%75.47%Beats 39%453 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 85%110 / 743
Net Charge-Offs / Loans0.34%0.00%0.01%0.05%Beats 5%709 / 743
Capital
Tier 1 Capital Ratio19.79%11.55%13.75%17.60%Beats 82%131 / 746
Total Risk-Based Capital Ratio21.04%11.71%14.33%18.43%Beats 83%127 / 746
Equity / Assets10.90%8.90%10.51%13.06%Beats 56%331 / 746
Liquidity & Funding
Loans / Deposits81.65%61.31%78.27%90.78%57th pctl324 / 746
Loans / Assets71.92%53.60%66.97%76.08%63rd pctl279 / 746
Brokered Deposits / Depositsn/aNot reported for this institution