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Tristar Bank

Dickson, TN · Cert 35417 · Tristar Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

28

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

30

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

Tristar Bank

Dickson, TN · Cert 35417 · Tristar Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$562.7MAssets
$374.7MLoans
$466.3MDeposits
$46.8MEquity
Loan mix
89%RE $313.2M8%C&I $28.3M3%Consumer $10.3MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $407.3M13%Noninterest $59.0MQ2 2025Q2 2026

NIM

5.38%Q2 ’245.68%Q2 ’255.42%Q2 ’26+7%-4%

Non-interest income vs. expense

2.93%Q2 ’242.93%Q2 ’252.83%Q2 ’26+4%-7%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.4% share · #28 of 62 inst. · $0.5B of $107.8B

17.2% Dickson
8.7% Maury

Executive Summary

  • Earnings: ROA of 0.83%, down 1 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.61% of loans (+49 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 9.85%, down 20 bps from a year ago.
  • Funding: loans stand at 80.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-15 bps YoY

Efficiency Ratio (YTD, annualized)

72.55%-92 bps YoY

Tier 1 Leverage Ratio

9.85%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.83%0.82%0.81%0.83%-1 bps
Return on Equity10.78%10.46%10.28%9.98%10.12%-65 bps
Net Interest Margin3.46%3.45%3.32%3.27%3.31%-15 bps
Efficiency Ratio73.47%73.74%73.33%72.78%72.55%-92 bps
Non-Interest Burden2.42%2.42%2.31%2.25%2.26%-16 bps
Growth
Asset Growth (YoY)4.42%5.75%9.45%9.81%9.86%+544 bps
Loan Growth (YoY)7.15%4.15%5.28%0.02%1.58%-557 bps
Deposit Growth (YoY)1.82%10.88%13.03%14.31%10.17%+835 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.60%0.56%0.68%0.61%+49 bps
Net Charge-Offs / Loans0.16%0.15%0.18%0.00%0.20%+4 bps
Allowance / Loans0.94%0.94%0.87%0.91%0.86%-8 bps
Allowance Coverage of NPLs7.4x1.6x1.5x1.4x1.4x-6.0x
Capital
Tier 1 Leverage Ratio10.04%10.13%9.88%9.80%9.85%-20 bps
Total Risk-Based Capital12.93%13.23%12.89%12.79%12.49%-44 bps
Equity / Assets7.83%8.16%8.37%7.96%8.32%+48 bps
Liquidity & Funding
Loans / Deposits87.15%83.81%83.41%78.08%80.36%-680 bps
Liquid Assets / Assets6.11%4.78%3.32%6.09%3.93%-218 bps
CRE / Total Capitaln/a305%314%302%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

Tristar Bank

Dickson, TN · Cert 35417 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Tristar Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$562.7MAssets
$374.7MLoans
$466.3MDeposits
$46.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 45% of banks under $1B in assets operating in a single state (rank 408 of 746).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets operating in a single state (rank 642 of 743).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.82%

Rank 510 of 746

Net Interest Margin

3.31%

Rank 522 of 746

Efficiency Ratio

72.90%

Rank 523 of 746

Equity / Assets

8.32%

Rank 624 of 746

Non-interest income vs. expense

$3.2M$15.7MINCOMEEXPENSE
Unfavorable gap of $12.5M · efficiency ratio beats 30% of banks under $1B in assets operating in a single state
Bank 72.90%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.72%1.06%1.45%Beats 32%510 / 746
Return on Equity9.82%6.74%10.51%13.63%Beats 45%408 / 746
Net Interest Margin3.31%3.17%3.68%4.16%Beats 30%522 / 746
Efficiency Ratio72.90%55.74%64.58%75.47%Beats 30%523 / 746
Asset Quality
Nonperforming Loans / Loans0.61%0.09%0.42%1.07%Beats 42%432 / 743
Net Charge-Offs / Loans0.11%0.00%0.01%0.05%Beats 14%642 / 743
Capital
Tier 1 Capital Ratio11.79%11.55%13.75%17.60%Beats 29%526 / 746
Total Risk-Based Capital Ratio12.49%11.71%14.33%18.43%Beats 32%504 / 746
Equity / Assets8.32%8.90%10.51%13.06%Beats 16%624 / 746
Liquidity & Funding
Loans / Deposits80.36%61.31%78.27%90.78%54th pctl340 / 746
Loans / Assets66.59%53.60%66.97%76.08%48th pctl386 / 746
Brokered Deposits / Depositsn/aNot reported for this institution