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First National Bank

Oneida, TN · Cert 4958

National charter · OCC · 4 branches

Q2 2026

$367.8MAssets
$232.2MLoans
$328.0MDeposits
$35.3MEquity
Loan mix
90%RE $201.3M5%C&I $10.9M5%Consumer $11.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $252.7M23%Noninterest $75.2MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.62%Q2 ’255.87%Q2 ’26+7%+6%

Non-interest income vs. expense

2.49%Q2 ’242.55%Q2 ’252.60%Q2 ’26+7%+2%

Market Position · Knoxville, TN · 2026 SOD (annual) · 0.1% share · #41 of 42 inst. · $0.0B of $26.6B

65.8% Scott
3.7% Campbell

Executive Summary

  • Earnings: ROA of 1.68%, up 2 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.27% of loans (-3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.98%, up 13 bps from a year ago.
  • Funding: loans stand at 70.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+25 bps YoY

Efficiency Ratio (YTD, annualized)

53.66%-206 bps YoY

Tier 1 Leverage Ratio

10.98%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.64%1.49%1.67%1.68%+2 bps
Return on Equity19.45%18.75%16.68%17.93%17.89%-156 bps
Net Interest Margin3.95%3.99%4.03%4.13%4.20%+25 bps
Efficiency Ratio55.72%54.92%55.77%53.83%53.66%-206 bps
Non-Interest Burden1.92%1.91%1.96%1.92%1.96%+3 bps
Growth
Asset Growth (YoY)7.68%8.18%9.14%8.07%7.36%-32 bps
Loan Growth (YoY)9.10%7.72%6.97%11.10%9.43%+33 bps
Deposit Growth (YoY)7.01%7.89%7.98%7.46%6.44%-57 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.74%0.86%0.18%0.27%-3 bps
Net Charge-Offs / Loans0.11%0.15%0.12%-0.01%0.01%-11 bps
Allowance / Loans2.60%2.54%2.74%2.69%2.69%+9 bps
Allowance Coverage of NPLs8.6x3.4x3.2x14.9x9.9x+1.3x
Capital
Tier 1 Leverage Ratio10.85%10.92%10.98%10.79%10.98%+13 bps
Total Risk-Based Capital19.82%19.78%19.88%19.86%19.96%+14 bps
Equity / Assets8.76%9.42%9.49%9.12%9.61%+84 bps
Liquidity & Funding
Loans / Deposits68.87%69.37%68.22%68.64%70.81%+193 bps
Liquid Assets / Assets2.94%3.66%7.06%8.29%5.99%+305 bps
CRE / Total Capitaln/a223%224%231%n/an/a