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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.84%	0.83%	0.82%	0.81%	0.83%	-1 bps
Return on Equity	10.78%	10.46%	10.28%	9.98%	10.12%	-65 bps
Net Interest Margin	3.46%	3.45%	3.32%	3.27%	3.31%	-15 bps
Efficiency Ratio	73.47%	73.74%	73.33%	72.78%	72.55%	-92 bps
Non-Interest Burden	2.42%	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 / Loans	0.13%	0.60%	0.56%	0.68%	0.61%	+49 bps
Net Charge-Offs / Loans	0.16%	0.15%	0.18%	0.00%	0.20%	+4 bps
Allowance / Loans	0.94%	0.94%	0.87%	0.91%	0.86%	-8 bps
Allowance Coverage of NPLs	7.4x	1.6x	1.5x	1.4x	1.4x	-6.0x
Capital
Tier 1 Leverage Ratio	10.04%	10.13%	9.88%	9.80%	9.85%	-20 bps
Total Risk-Based Capital	12.93%	13.23%	12.89%	12.79%	12.49%	-44 bps
Equity / Assets	7.83%	8.16%	8.37%	7.96%	8.32%	+48 bps
Liquidity & Funding
Loans / Deposits	87.15%	83.81%	83.41%	78.08%	80.36%	-680 bps
Liquid Assets / Assets	6.11%	4.78%	3.32%	6.09%	3.93%	-218 bps
CRE / Total Capital	n/a	305%	314%	302%	n/a	n/a