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First Citizens National Bank

Dyersburg, TN · Cert 4972

FDIC · 25 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=284 to 290). 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

6

Q2 2024Q4 2025peer median (50)

Asset Quality

55

Q2 2024Q4 2025peer median (50)

Profitability

28

Q2 2024Q4 2025peer median (50)

Liquidity

21

Q2 2024Q4 2025peer median

Efficiency

29

Q2 2024Q4 2025peer 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 Citizens National Bank

Dyersburg, TN · Cert 4972

FDIC · 25 branches

Q4 2025

$2.7BAssets
$1.6BLoans
$2.3BDeposits
$231.2MEquity
Loan mix
92%RE $1.4B7%C&I $0.1B1%Consumer $0.0BQ1 2024Q4 2025
Deposit mix
83%Interest-bearing $1.9B17%Noninterest $0.4BQ1 2024Q4 2025

Market Position · Memphis, TN-MS-AR · 2025 SOD (annual) · 1.4% share · #15 of 47 inst. · $0.6B of $42.0B

64.7% Dyer
14.2% Bradley
1.0% Shelby
21.3% Obion

Executive Summary

  • Earnings: ROA of 0.94%, up 20 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.45% of loans (+25 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.71%, up 18 bps from a year ago.
  • Funding: loans stand at 70.45% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.94%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+34 bps YoY

Efficiency Ratio (YTD, annualized)

65.72%-661 bps YoY

Tier 1 Leverage Ratio

9.71%+18 bps YoY

NIM

4.14%Q4 ’234.49%Q4 ’244.73%Q4 ’25-7%+15%

Non-interest income vs. expense

2.08%Q4 ’232.05%Q4 ’242.08%Q4 ’25-3%+2%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.63%0.66%0.69%0.74%0.85%0.92%0.95%0.94%+20 bps
Return on Equity8.07%8.48%8.69%9.40%10.97%11.62%11.86%11.43%+203 bps
Net Interest Margin2.18%2.18%2.17%2.17%2.33%2.45%2.48%2.51%+34 bps
Efficiency Ratio75.74%74.89%73.81%72.33%68.49%66.40%65.11%65.72%-661 bps
Non-Interest Burden1.48%1.46%1.42%1.38%1.37%1.38%1.36%1.40%+3 bps
Growth
Asset Growth (YoY)3.00%3.97%5.78%4.69%6.19%4.60%5.66%6.11%+141 bps
Loan Growth (YoY)5.54%7.54%7.16%5.83%8.04%7.65%7.16%7.22%+138 bps
Deposit Growth (YoY)1.48%3.60%3.32%5.97%5.98%4.35%6.72%5.21%-76 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.23%0.23%0.20%0.40%0.20%0.28%0.45%+25 bps
Net Charge-Offs / Loans0.04%0.03%0.02%0.02%-0.01%0.02%0.01%0.01%-1 bps
Allowance / Loans1.28%1.24%1.21%1.21%1.17%1.15%1.15%1.18%-3 bps
Allowance Coverage of NPLs5.1x5.4x5.2x6.0x2.9x5.7x4.1x2.6x-3.3x
Capital
Tier 1 Leverage Ratio9.67%9.72%9.65%9.54%9.54%9.66%9.72%9.71%+18 bps
Total Risk-Based Capital9.67%9.72%9.65%9.54%9.54%9.66%9.72%9.71%+18 bps
Equity / Assets7.74%7.62%8.37%7.59%7.92%8.14%8.51%8.72%+114 bps
Liquidity & Funding
Loans / Deposits69.09%70.07%72.12%69.13%70.43%72.29%72.41%70.45%+132 bps
Liquid Assets / Assets3.15%3.15%2.51%4.17%2.93%1.93%2.63%4.83%+65 bps
CRE / Total Capitaln/an/an/an/an/an/a392%381%n/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 Citizens National Bank

Dyersburg, TN · Cert 4972 · Peer group: banks $1B-$10B in assets (n=284-290)

FDIC · 25 branches

Q4 2025

$2.7BAssets
$1.6BLoans
$2.3BDeposits
$231.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 55% of banks $1B-$10B in assets (rank 128 of 284).
  • Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets (rank 288 of 290).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.90%

Rank 207 of 290

Net Interest Margin

2.51%

Rank 261 of 290

Efficiency Ratio

65.72%

Rank 206 of 290

Equity / Assets

8.72%

Rank 240 of 290

Non-interest income vs. expense

$18.0M$55.8MINCOMEEXPENSE
Unfavorable gap of $37.8M · efficiency ratio beats 29% of banks $1B-$10B in assets
Bank 65.72%Peer median 60.5%Q4 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.82%1.09%1.41%Beats 29%207 / 290
Return on Equity10.37%8.04%10.59%13.08%Beats 46%156 / 290
Net Interest Margin2.51%2.87%3.28%3.78%Beats 10%261 / 290
Efficiency Ratio65.72%53.76%60.51%67.14%Beats 29%206 / 290
Asset Quality
Nonperforming Loans / Loans0.45%0.22%0.49%0.91%Beats 55%128 / 284
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.71%11.52%13.11%15.22%Beats 1%286 / 290
Total Risk-Based Capital Ratio9.71%12.41%14.01%16.12%Beats 1%288 / 290
Equity / Assets8.72%8.94%10.29%11.70%Beats 17%240 / 290
Liquidity & Funding
Loans / Deposits70.45%75.78%87.64%95.53%15th pctl240 / 284
Loans / Assets60.14%64.43%74.03%79.86%17th pctl237 / 284
Brokered Deposits / Deposits2.86%n/a2.01%8.63%Beats 47%153 / 285