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Letter portraitLegal landscapeQuarterYTD

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 $5.7MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $93.1M34%Noninterest $48.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.92%0.86%0.85%0.80%0.83%0.99%0.75%-11 bps
Return on Equity9.48%8.92%7.82%7.75%7.17%7.51%9.21%6.89%-85 bps
Net Interest Margin3.50%3.61%3.59%3.62%3.61%3.59%3.76%3.83%+21 bps
Efficiency Ratio72.97%74.32%75.38%75.79%77.61%76.51%70.71%69.18%-661 bps
Non-Interest Burden2.30%2.44%2.50%2.54%2.62%2.55%2.41%2.40%-14 bps
Growth
Asset Growth (YoY)1.40%-4.45%5.27%2.55%5.71%13.02%17.65%10.15%+760 bps
Loan Growth (YoY)5.76%3.36%6.46%11.83%14.69%21.45%22.73%24.71%+1,288 bps
Deposit Growth (YoY)-1.27%-6.45%3.82%1.06%5.47%13.07%18.51%10.53%+947 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.04%0.14%0.11%0.10%0.09%0.88%0.00%-11 bps
Net Charge-Offs / Loans0.04%0.04%0.04%0.05%0.04%0.04%-0.04%0.62%+57 bps
Allowance / Loans1.34%1.32%1.26%1.22%1.15%1.07%1.04%1.00%-21 bps
Allowance Coverage of NPLs17.8x31.5x9.3x10.8x11.2x11.6x1.2x1154.0x+1143.2x
Capital
Tier 1 Leverage Ratio12.21%12.65%12.70%12.65%12.55%12.39%12.11%11.95%-70 bps
Total Risk-Based Capital24.07%23.96%23.70%23.48%22.90%21.99%21.33%21.04%-244 bps
Equity / Assets11.09%10.90%11.05%11.03%11.45%11.08%10.51%10.90%-13 bps
Liquidity & Funding
Loans / Deposits70.23%72.18%73.54%72.37%76.37%77.54%76.15%81.65%+928 bps
Liquid Assets / Assets5.99%5.16%5.04%7.03%3.60%5.85%8.17%2.75%-429 bps
CRE / Total Capitaln/an/an/an/a155.45%173.03%202%n/an/a