PackageTrendsPeer
Letter portraitLegal landscape

Bank of Milan, The

Milan, TN · Cert 33851 · Hometown Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

84

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

Bank of Milan, The

Milan, TN · Cert 33851 · Hometown Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.1MAssets
$61.6MLoans
$88.9MDeposits
$7.5MEquity
Loan mix
89%RE $50.7M10%C&I $5.5M2%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $71.1M20%Noninterest $17.8MQ3 2024Q2 2026

Market Position · Jackson, TN · 2026 SOD (annual) · 2.1% share · #11 of 23 inst. · $0.1B of $4.3B

Executive Summary

  • Earnings: ROA of 1.63%, up 69 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.99% of loans (+99 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.52%, up 162 bps from a year ago.
  • Funding: loans stand at 69.31% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.63%+69 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+39 bps YoY

Efficiency Ratio (YTD, annualized)

53.33%-1,050 bps YoY

Tier 1 Leverage Ratio

9.52%+162 bps YoY

NIM

4.45%Q2 ’244.56%Q2 ’254.59%Q2 ’26+6%+13%

Non-interest income vs. expense

2.21%Q2 ’242.11%Q2 ’252.48%Q2 ’26-5%-34%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.82%0.91%0.94%0.95%1.52%2.28%1.63%+69 bps
Return on Equity15.33%17.18%19.37%19.33%18.70%28.61%34.77%23.82%+450 bps
Net Interest Margin2.76%2.64%2.88%2.91%2.90%2.88%3.09%3.30%+39 bps
Efficiency Ratio69.69%67.71%65.01%63.83%63.36%51.82%45.10%53.33%-1,050 bps
Non-Interest Burden1.80%1.65%1.73%1.72%1.70%0.90%0.25%1.13%-59 bps
Growth
Asset Growth (YoY)2.34%6.01%11.45%13.16%16.56%3.45%-6.80%-10.14%-2,329 bps
Loan Growth (YoY)-0.02%0.08%3.52%0.58%0.35%-2.48%1.13%9.01%+842 bps
Deposit Growth (YoY)0.18%5.28%11.79%12.70%14.36%0.12%-10.46%-12.70%-2,540 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.99%+99 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0.03%-0.02%-0.01%-1 bps
Allowance / Loans0.40%0.40%0.39%0.40%0.39%0.56%0.54%0.51%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a0.5xn/an/a
Capital
Tier 1 Leverage Ratio8.50%7.76%7.86%7.90%7.90%7.89%8.83%9.52%+162 bps
Total Risk-Based Capital14.64%14.55%15.88%15.30%16.00%15.74%16.52%9.52%-578 bps
Equity / Assets5.68%4.47%4.89%5.25%5.76%6.13%7.02%7.41%+216 bps
Liquidity & Funding
Loans / Deposits62.89%57.32%55.74%55.51%55.19%55.83%62.95%69.31%+1,380 bps
Liquid Assets / Assets10.91%17.98%20.09%21.55%20.51%19.02%9.42%7.60%-1,395 bps
CRE / Total Capitaln/an/an/an/a238%213%201%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

Bank of Milan, The

Milan, TN · Cert 33851 · Peer group: banks under $1B in assets (n=581-629) · Hometown Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.1MAssets
$61.6MLoans
$88.9MDeposits
$7.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 593 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.70%

Rank 111 of 629

Net Interest Margin

3.30%

Rank 393 of 629

Efficiency Ratio

53.33%

Rank 101 of 629

Equity / Assets

7.41%

Rank 585 of 629

Non-interest income vs. expense

$1.4M$2.5MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 84% of banks under $1B in assets
Bank 53.33%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.70%0.60%1.01%1.45%Beats 82%111 / 629
Return on Equity22.97%5.38%9.30%13.28%Beats 95%29 / 629
Net Interest Margin3.30%3.03%3.54%4.05%Beats 38%393 / 629
Efficiency Ratio53.33%58.35%67.79%79.08%Beats 84%101 / 629
Asset Quality
Nonperforming Loans / Loans0.99%0.09%0.46%1.20%Beats 30%406 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581n/a
Capital
Tier 1 Capital Ratio9.52%11.24%13.84%18.77%Beats 6%591 / 629
Total Risk-Based Capital Ratio9.52%11.58%14.43%19.66%Beats 6%593 / 629
Equity / Assets7.41%9.09%10.65%13.80%Beats 7%585 / 629
Liquidity & Funding
Loans / Deposits69.31%67.24%80.90%93.48%29th pctl421 / 594
Loans / Assets60.93%53.31%67.71%78.15%36th pctl404 / 629
Brokered Deposits / Depositsn/aNot reported for this institution