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Peoples Bank of East Tennessee

Madisonville, TN · Cert 34517 · Peoples Bancshares of TN Inc.

State charter, non-member · FDIC · 10 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

63

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

Peoples Bank of East Tennessee

Madisonville, TN · Cert 34517 · Peoples Bancshares of TN Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$456.1MAssets
$313.5MLoans
$407.2MDeposits
$45.3MEquity
Loan mix
89%RE $266.4M6%C&I $16.9M6%Consumer $17.3MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $289.7M29%Noninterest $117.5MQ2 2025Q2 2026

NIM

5.45%Q2 ’245.80%Q2 ’255.83%Q2 ’26+1%+6%

Non-interest income vs. expense

3.26%Q2 ’243.23%Q2 ’253.41%Q2 ’26+2%+3%

Market Position · Cleveland, TN · 2026 SOD (annual) · 1.5% share · #11 of 14 inst. · $0.1B of $3.5B

24.7% Monroe
27.2% Polk
3.0% Loudon
2.4% McMinn

Executive Summary

  • Earnings: ROA of 1.53%, up 16 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 0.37% of loans (+8 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.90%, up 26 bps from a year ago.
  • Funding: loans stand at 77.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.72%+25 bps YoY

Efficiency Ratio (YTD, annualized)

63.35%-76 bps YoY

Tier 1 Leverage Ratio

10.90%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.40%1.42%1.43%1.53%+16 bps
Return on Equity15.11%15.30%15.32%14.91%15.73%+62 bps
Net Interest Margin4.47%4.51%4.57%4.66%4.72%+25 bps
Efficiency Ratio64.11%63.38%62.55%64.69%63.35%-76 bps
Non-Interest Burden2.66%2.64%2.63%2.82%2.75%+9 bps
Growth
Asset Growth (YoY)12.19%7.39%6.30%6.48%5.40%-679 bps
Loan Growth (YoY)16.64%15.39%16.66%18.23%15.72%-92 bps
Deposit Growth (YoY)12.53%7.36%5.55%5.80%4.20%-833 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.24%0.39%0.27%0.37%+8 bps
Net Charge-Offs / Loans0.04%0.03%0.03%0.08%0.05%+1 bps
Allowance / Loans1.35%1.40%1.43%1.41%1.38%+3 bps
Allowance Coverage of NPLs4.7x5.9x3.6x5.2x3.7x-1.0x
Capital
Tier 1 Leverage Ratio10.64%10.83%10.83%10.88%10.90%+26 bps
Total Risk-Based Capital10.64%10.83%10.83%10.88%10.90%+26 bps
Equity / Assets8.96%9.65%9.75%9.44%9.92%+96 bps
Liquidity & Funding
Loans / Deposits69.33%71.85%75.06%73.84%77.00%+767 bps
Liquid Assets / Assets7.16%6.50%4.63%7.38%5.47%-169 bps
CRE / Total Capitaln/a265%275%270%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

Peoples Bank of East Tennessee

Madisonville, TN · Cert 34517 · Peer group: banks under $1B in assets (n=581-629) · Peoples Bancshares of TN Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$456.1MAssets
$313.5MLoans
$407.2MDeposits
$45.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 43 of 629).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets (rank 518 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.51%

Rank 144 of 629

Net Interest Margin

4.72%

Rank 43 of 629

Efficiency Ratio

63.35%

Rank 235 of 629

Equity / Assets

9.92%

Rank 381 of 629

Non-interest income vs. expense

$3.0M$15.5MINCOMEEXPENSE
Unfavorable gap of $12.5M · efficiency ratio beats 63% of banks under $1B in assets
Bank 63.35%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%0.60%1.01%1.45%Beats 77%144 / 629
Return on Equity15.17%5.38%9.30%13.28%Beats 84%101 / 629
Net Interest Margin4.72%3.03%3.54%4.05%Beats 93%43 / 629
Efficiency Ratio63.35%58.35%67.79%79.08%Beats 63%235 / 629
Asset Quality
Nonperforming Loans / Loans0.37%0.09%0.46%1.20%Beats 54%266 / 581
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 32%395 / 581
Capital
Tier 1 Capital Ratio10.90%11.24%13.84%18.77%Beats 21%499 / 629
Total Risk-Based Capital Ratio10.90%11.58%14.43%19.66%Beats 18%518 / 629
Equity / Assets9.92%9.09%10.65%13.80%Beats 39%381 / 629
Liquidity & Funding
Loans / Deposits77.00%67.24%80.90%93.48%44th pctl330 / 594
Loans / Assets68.74%53.31%67.71%78.15%52nd pctl301 / 629
Brokered Deposits / Depositsn/aNot reported for this institution