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Peoples Bank of the South

Lafollette, TN · Cert 4945

State charter, non-member · FDIC · 3 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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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 the South

Lafollette, TN · Cert 4945

State charter, non-member · FDIC · 3 branches

Q2 2026

$232.0MAssets
$200.4MLoans
$190.5MDeposits
$27.7MEquity
Loan mix
95%RE $184.6M3%C&I $5.5M2%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $138.8M27%Noninterest $51.7MQ2 2025Q2 2026

NIM

6.43%Q2 ’247.04%Q2 ’256.99%Q2 ’26+10%+3%

Non-interest income vs. expense

2.37%Q2 ’242.29%Q2 ’252.21%Q2 ’26-4%-4%

Market Position · Knoxville, TN · 2026 SOD (annual) · 0.7% share · #21 of 42 inst. · $0.2B of $26.6B

20.8% Campbell
2.4% Anderson

Executive Summary

  • Earnings: ROA of 2.61%, up 19 bps year over year; NIM at 5.28%.
  • Asset quality: problem loans at 0.85% of loans (+23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.43%, up 47 bps from a year ago.
  • Funding: loans stand at 105.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.61%+19 bps YoY

Net Interest Margin (YTD, annualized)

5.28%+17 bps YoY

Efficiency Ratio (YTD, annualized)

39.91%-277 bps YoY

Tier 1 Leverage Ratio

12.43%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.41%2.33%2.26%2.63%2.61%+19 bps
Return on Equity22.00%20.96%20.26%22.84%22.36%+36 bps
Net Interest Margin5.11%5.30%5.36%5.22%5.28%+17 bps
Efficiency Ratio42.68%45.95%48.40%38.31%39.91%-277 bps
Non-Interest Burden2.04%2.31%2.47%1.86%1.95%-8 bps
Growth
Asset Growth (YoY)4.91%5.39%2.56%0.89%2.98%-192 bps
Loan Growth (YoY)5.79%8.42%9.83%6.93%9.00%+322 bps
Deposit Growth (YoY)8.12%9.06%2.01%0.37%1.37%-675 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.70%0.53%0.80%0.85%+23 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.09%1.05%1.02%1.03%1.00%-9 bps
Allowance Coverage of NPLs1.8x1.5x1.9x1.3x1.2x-0.6x
Capital
Tier 1 Leverage Ratio11.96%12.16%12.06%12.15%12.43%+47 bps
Total Risk-Based Capital17.33%19.06%16.67%18.96%17.64%+31 bps
Equity / Assets11.33%11.51%11.45%11.60%11.92%+59 bps
Liquidity & Funding
Loans / Deposits97.85%100.50%105.67%102.28%105.22%+737 bps
Liquid Assets / Assets7.88%4.50%2.01%5.37%5.56%-232 bps
CRE / Total Capitaln/a391%392%362%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 the South

Lafollette, TN · Cert 4945 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 3 branches

Q2 2026

$232.0MAssets
$200.4MLoans
$190.5MDeposits
$27.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets (rank 15 of 629).
  • Widest gap: nonperforming loans / loans trails 65% of banks under $1B in assets (rank 381 of 581).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.59%

Rank 49 of 629

Net Interest Margin

5.28%

Rank 15 of 629

Efficiency Ratio

39.91%

Rank 26 of 629

Equity / Assets

11.92%

Rank 232 of 629

Non-interest income vs. expense

$0.6M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 96% of banks under $1B in assets
Bank 39.91%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.59%0.60%1.01%1.45%Beats 92%49 / 629
Return on Equity21.70%5.38%9.30%13.28%Beats 95%33 / 629
Net Interest Margin5.28%3.03%3.54%4.05%Beats 98%15 / 629
Efficiency Ratio39.91%58.35%67.79%79.08%Beats 96%26 / 629
Asset Quality
Nonperforming Loans / Loans0.85%0.09%0.46%1.20%Beats 35%381 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 72%168 / 581
Capital
Tier 1 Capital Ratio16.49%11.24%13.84%18.77%Beats 67%205 / 629
Total Risk-Based Capital Ratio17.64%11.58%14.43%19.66%Beats 69%192 / 629
Equity / Assets11.92%9.09%10.65%13.80%Beats 63%232 / 629
Liquidity & Funding
Loans / Deposits105.22%67.24%80.90%93.48%92nd pctl48 / 594
Loans / Assets86.38%53.31%67.71%78.15%95th pctl32 / 629
Brokered Deposits / Depositsn/aNot reported for this institution