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Letter portraitLegal landscapeQuarterYTD

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

5.76%Q2 ’246.00%Q2 ’255.98%Q2 ’26+1%+6%

Non-interest income vs. expense

3.35%Q2 ’243.27%Q2 ’253.52%Q2 ’26-2%+4%

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 1.61%, up 18 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.37% of loans (+8 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.61%+18 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+28 bps YoY

Efficiency Ratio (quarter, annualized)

62.14%-37 bps YoY

Tier 1 Leverage Ratio

10.90%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.48%1.48%1.43%1.61%+18 bps
Return on Equity15.94%15.90%15.27%14.91%16.62%+68 bps
Net Interest Margin4.61%4.69%4.82%4.66%4.89%+28 bps
Efficiency Ratio62.51%62.02%60.24%64.69%62.14%-37 bps
Non-Interest Burden2.65%2.66%2.65%2.82%2.74%+10 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 / Loans0.02%0.00%0.03%0.08%0.02%0 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