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Troy Bank & Trust Company

Troy, AL · Cert 5598 · Trust No 3 Under Will Charles Henderson

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

71

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

Troy Bank & Trust Company

Troy, AL · Cert 5598 · Trust No 3 Under Will Charles Henderson

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.4BDeposits
$192.2MEquity
Loan mix
78%RE $769.0M20%C&I $193.5M3%Consumer $25.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.1B24%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.10%Q2 ’245.22%Q2 ’255.30%Q2 ’26+13%+8%

Non-interest income vs. expense

2.15%Q2 ’242.17%Q2 ’252.26%Q2 ’26+1%+1%

Market Position · Dothan, AL · 2026 SOD (annual) · 3.6% share · #13 of 18 inst. · $0.2B of $4.7B

84.1% Pike
4.5% Houston
12.2% Coffee
1.0% Lee

Executive Summary

  • Earnings: ROA of 1.37%, up 11 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.35% of loans (+43 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 12.83%, up 35 bps from a year ago.
  • Funding: loans stand at 75.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+28 bps YoY

Efficiency Ratio (YTD, annualized)

53.12%-256 bps YoY

Tier 1 Leverage Ratio

12.83%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.31%1.34%1.25%1.37%+11 bps
Return on Equity11.31%11.68%11.88%10.27%11.29%-2 bps
Net Interest Margin3.45%3.42%3.44%3.68%3.74%+28 bps
Efficiency Ratio55.68%55.01%53.92%52.52%53.12%-256 bps
Non-Interest Burden1.71%1.68%1.65%1.70%1.73%+2 bps
Growth
Asset Growth (YoY)5.09%5.99%6.94%2.09%1.27%-382 bps
Loan Growth (YoY)3.18%5.10%3.32%5.06%4.40%+122 bps
Deposit Growth (YoY)4.51%5.50%5.75%0.68%0.12%-440 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.76%1.03%1.24%1.35%+43 bps
Net Charge-Offs / Loans0.12%0.11%0.10%0.36%0.20%+8 bps
Allowance / Loans1.30%1.29%1.33%1.26%1.29%-2 bps
Allowance Coverage of NPLs1.4x1.7x1.3x1.0x1.0x-0.5x
Capital
Tier 1 Leverage Ratio12.48%12.28%12.46%12.85%12.83%+35 bps
Total Risk-Based Capital12.48%12.28%12.46%12.85%12.83%+35 bps
Equity / Assets10.99%11.51%11.83%12.45%12.00%+101 bps
Liquidity & Funding
Loans / Deposits72.45%72.78%73.00%77.41%75.55%+310 bps
Liquid Assets / Assets4.50%5.41%4.82%2.36%4.82%+32 bps
CRE / Total Capitaln/a232%228%232%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

Troy Bank & Trust Company

Troy, AL · Cert 5598 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Trust No 3 Under Will Charles Henderson

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.4BDeposits
$192.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 59 of 258).
  • Widest gap: nonperforming loans / loans trails 84% of banks $1B-$10B in assets operating in a single state (rank 218 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.36%

Rank 93 of 258

Net Interest Margin

3.74%

Rank 84 of 258

Efficiency Ratio

53.16%

Rank 76 of 257

Equity / Assets

12.00%

Rank 59 of 258

Non-interest income vs. expense

$8.4M$35.9MINCOMEEXPENSE
Unfavorable gap of $27.5M · efficiency ratio beats 71% of banks $1B-$10B in assets operating in a single state
Bank 53.16%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.93%1.23%1.54%Beats 64%93 / 258
Return on Equity11.33%9.26%11.84%14.74%Beats 45%141 / 258
Net Interest Margin3.74%3.16%3.49%3.88%Beats 67%84 / 258
Efficiency Ratio53.16%51.71%60.30%69.65%Beats 71%76 / 257
Asset Quality
Nonperforming Loans / Loans1.35%0.19%0.46%0.90%Beats 16%218 / 258
Net Charge-Offs / Loans0.12%0.01%0.02%0.07%Beats 18%213 / 258
Capital
Tier 1 Capital Ratio12.83%11.41%12.98%15.12%Beats 47%137 / 258
Total Risk-Based Capital Ratio12.83%12.10%13.91%16.08%Beats 34%169 / 258
Equity / Assets12.00%9.09%10.24%11.72%Beats 77%59 / 258
Liquidity & Funding
Loans / Deposits75.55%73.24%86.34%95.95%29th pctl183 / 258
Loans / Assets65.79%63.01%72.27%78.40%30th pctl181 / 258
Brokered Deposits / Depositsn/aNot reported for this institution