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Tnbank

Oak Ridge, TN · Cert 34023 · Tennessee Valley Finl Holdings

State charter, non-member · FDIC · 5 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

40

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

Tnbank

Oak Ridge, TN · Cert 34023 · Tennessee Valley Finl Holdings

State charter, non-member · FDIC · 5 branches

Q2 2026

$318.1MAssets
$235.0MLoans
$277.0MDeposits
$27.4MEquity
Loan mix
94%RE $210.8M6%C&I $12.9M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $253.9M8%Noninterest $23.1MQ2 2025Q2 2026

NIM

5.49%Q2 ’245.44%Q2 ’255.43%Q2 ’26+0%-1%

Non-interest income vs. expense

2.62%Q2 ’242.69%Q2 ’252.84%Q2 ’26+0%+10%

Market Position · Knoxville, TN · 2026 SOD (annual) · 1.0% share · #16 of 42 inst. · $0.3B of $26.6B

10.8% Anderson
0.4% Knox
1.7% Blount

Executive Summary

  • Earnings: ROA of 0.72%, down 33 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.34% of loans (-20 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.61%, down 14 bps from a year ago.
  • Funding: loans stand at 84.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-3 bps YoY

Efficiency Ratio (YTD, annualized)

71.68%+568 bps YoY

Tier 1 Leverage Ratio

10.61%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.14%1.08%0.66%0.72%-33 bps
Return on Equity12.62%13.69%12.82%7.70%8.34%-428 bps
Net Interest Margin3.77%3.95%3.91%3.62%3.74%-3 bps
Efficiency Ratio66.00%66.76%67.33%73.22%71.68%+568 bps
Non-Interest Burden2.38%2.55%2.55%2.59%2.61%+23 bps
Growth
Asset Growth (YoY)-5.68%0.55%4.58%4.54%11.44%+1,712 bps
Loan Growth (YoY)5.69%4.09%4.83%3.07%9.09%+340 bps
Deposit Growth (YoY)-7.09%-0.63%3.48%5.44%11.67%+1,876 bps
Asset Quality
Nonperforming Loans / Loans1.54%1.42%1.41%1.18%1.34%-20 bps
Net Charge-Offs / Loans0.00%-0.15%-0.12%0.00%0.03%+3 bps
Allowance / Loans1.18%1.15%1.13%1.18%1.16%-3 bps
Allowance Coverage of NPLs0.8x0.8x0.8x1.0x0.9x+0.1x
Capital
Tier 1 Leverage Ratio10.75%10.97%10.99%10.64%10.61%-14 bps
Total Risk-Based Capital13.80%13.59%13.88%14.10%13.35%-44 bps
Equity / Assets8.53%8.46%8.84%8.44%8.61%+8 bps
Liquidity & Funding
Loans / Deposits86.85%84.20%86.97%82.57%84.84%-201 bps
Liquid Assets / Assets1.12%2.57%3.96%4.08%3.01%+189 bps
CRE / Total Capitaln/a355%345%329%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

Tnbank

Oak Ridge, TN · Cert 34023 · Peer group: banks under $1B in assets (n=581-629) · Tennessee Valley Finl Holdings

State charter, non-member · FDIC · 5 branches

Q2 2026

$318.1MAssets
$235.0MLoans
$277.0MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 59% of banks under $1B in assets (rank 255 of 629).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets (rank 511 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.70%

Rank 442 of 629

Net Interest Margin

3.74%

Rank 255 of 629

Efficiency Ratio

71.68%

Rank 380 of 629

Equity / Assets

8.61%

Rank 511 of 629

Non-interest income vs. expense

$0.7M$8.8MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 40% of banks under $1B in assets
Bank 71.68%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.60%1.01%1.45%Beats 30%442 / 629
Return on Equity8.15%5.38%9.30%13.28%Beats 41%370 / 629
Net Interest Margin3.74%3.03%3.54%4.05%Beats 59%255 / 629
Efficiency Ratio71.68%58.35%67.79%79.08%Beats 40%380 / 629
Asset Quality
Nonperforming Loans / Loans1.34%0.09%0.46%1.20%Beats 22%457 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 43%332 / 581
Capital
Tier 1 Capital Ratio12.31%11.24%13.84%18.77%Beats 36%401 / 629
Total Risk-Based Capital Ratio13.35%11.58%14.43%19.66%Beats 41%369 / 629
Equity / Assets8.61%9.09%10.65%13.80%Beats 19%511 / 629
Liquidity & Funding
Loans / Deposits84.84%67.24%80.90%93.48%57th pctl256 / 594
Loans / Assets73.88%53.31%67.71%78.15%63rd pctl233 / 629
Brokered Deposits / Depositsn/aNot reported for this institution