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First National Bank of Middle Tennessee

McMinnville, TN · Cert 4952 · First McMinnville Corp.

National charter · OCC · 11 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

56

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

First National Bank of Middle Tennessee

McMinnville, TN · Cert 4952 · First McMinnville Corp.

National charter · OCC · 11 branches

Q2 2026

$952.4MAssets
$791.1MLoans
$827.7MDeposits
$93.2MEquity
Loan mix
91%RE $699.5M9%C&I $65.3M0%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $700.5M15%Noninterest $127.3MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.12%Q2 ’255.22%Q2 ’26+3%+14%

Non-interest income vs. expense

2.75%Q2 ’242.72%Q2 ’252.88%Q2 ’26-3%-7%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.3% share · #33 of 62 inst. · $0.3B of $107.8B

35.4% Warren
1.4% Rutherford
0.2% Davidson
25.6% Cannon

Executive Summary

  • Earnings: ROA of 1.04%, up 34 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.22% of loans (-90 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 10.03%, down 21 bps from a year ago.
  • Funding: loans stand at 95.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+41 bps YoY

Efficiency Ratio (YTD, annualized)

66.09%-839 bps YoY

Tier 1 Leverage Ratio

10.03%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.75%0.78%1.05%1.04%+34 bps
Return on Equity7.27%7.78%8.05%10.93%10.75%+347 bps
Net Interest Margin2.87%2.91%2.96%3.28%3.28%+41 bps
Efficiency Ratio74.48%73.38%72.46%66.67%66.09%-839 bps
Non-Interest Burden1.94%1.92%1.92%1.80%1.80%-14 bps
Growth
Asset Growth (YoY)5.14%7.47%4.79%3.75%4.63%-51 bps
Loan Growth (YoY)3.24%3.19%5.36%8.94%10.37%+714 bps
Deposit Growth (YoY)6.18%8.36%5.00%3.76%3.30%-288 bps
Asset Quality
Nonperforming Loans / Loans1.12%1.15%1.05%0.72%0.22%-90 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.24%+21 bps
Allowance / Loans0.99%1.01%1.05%1.04%0.96%-4 bps
Allowance Coverage of NPLs0.9x0.9x1.0x1.4x4.3x+3.4x
Capital
Tier 1 Leverage Ratio10.24%10.30%9.86%10.03%10.03%-21 bps
Total Risk-Based Capital16.50%16.89%16.18%10.03%10.03%-647 bps
Equity / Assets9.76%9.86%9.47%9.68%9.79%+3 bps
Liquidity & Funding
Loans / Deposits89.44%89.22%88.56%92.91%95.57%+613 bps
Liquid Assets / Assets9.62%8.97%9.06%6.20%4.79%-484 bps
CRE / Total Capitaln/a302%324%338%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

First National Bank of Middle Tennessee

McMinnville, TN · Cert 4952 · Peer group: banks under $1B in assets (n=581-629) · First McMinnville Corp.

National charter · OCC · 11 branches

Q2 2026

$952.4MAssets
$791.1MLoans
$827.7MDeposits
$93.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets (rank 215 of 581).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets (rank 561 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.03%

Rank 308 of 629

Net Interest Margin

3.28%

Rank 399 of 629

Efficiency Ratio

66.09%

Rank 278 of 629

Equity / Assets

9.79%

Rank 396 of 629

Non-interest income vs. expense

$10.3M$27.3MINCOMEEXPENSE
Unfavorable gap of $17.1M · efficiency ratio beats 56% of banks under $1B in assets
Bank 66.09%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.60%1.01%1.45%Beats 51%308 / 629
Return on Equity10.49%5.38%9.30%13.28%Beats 56%274 / 629
Net Interest Margin3.28%3.03%3.54%4.05%Beats 37%399 / 629
Efficiency Ratio66.09%58.35%67.79%79.08%Beats 56%278 / 629
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.46%1.20%Beats 63%215 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 15%493 / 581
Capital
Tier 1 Capital Ratio10.03%11.24%13.84%18.77%Beats 12%556 / 629
Total Risk-Based Capital Ratio10.03%11.58%14.43%19.66%Beats 11%561 / 629
Equity / Assets9.79%9.09%10.65%13.80%Beats 37%396 / 629
Liquidity & Funding
Loans / Deposits95.57%67.24%80.90%93.48%79th pctl122 / 594
Loans / Assets83.06%53.31%67.71%78.15%88th pctl76 / 629
Brokered Deposits / Depositsn/aNot reported for this institution