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Traditions First Bank

Erin, TN · Cert 57092 · Traditions First Bcorp Inc.

State charter, non-member · FDIC · 5 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

43

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

Traditions First Bank

Erin, TN · Cert 57092 · Traditions First Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$336.6MAssets
$257.8MLoans
$300.1MDeposits
$32.2MEquity
Loan mix
95%RE $246.8M4%C&I $9.5M1%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $259.5M14%Noninterest $40.6MQ3 2024Q2 2026

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 1.4% share · #14 of 19 inst. · $0.1B of $6.2B

72.1% Houston
4.6% Dickson
1.3% Montgomery
10.6% Stewart

Executive Summary

  • Earnings: ROA of 0.84%, up 1 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.91%, up 3 bps from a year ago.
  • Funding: loans stand at 85.92% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+17 bps YoY

Efficiency Ratio (YTD, annualized)

70.47%+58 bps YoY

Tier 1 Leverage Ratio

9.91%+3 bps YoY

NIM

5.41%Q2 ’245.52%Q2 ’255.50%Q2 ’26+6%+5%

Non-interest income vs. expense

2.61%Q2 ’242.54%Q2 ’252.66%Q2 ’26+5%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.77%0.80%0.83%0.83%0.83%0.87%0.84%+1 bps
Return on Equity8.70%9.32%9.17%9.30%9.17%9.16%9.29%8.88%-42 bps
Net Interest Margin3.10%3.12%3.24%3.33%3.41%3.37%3.59%3.50%+17 bps
Efficiency Ratio71.89%70.48%70.11%69.89%70.26%69.34%69.16%70.47%+58 bps
Non-Interest Burden2.11%2.09%2.17%2.23%2.30%2.25%2.38%2.38%+15 bps
Growth
Asset Growth (YoY)12.23%11.71%10.42%3.64%6.16%2.23%5.15%7.23%+359 bps
Loan Growth (YoY)25.23%21.32%12.85%6.85%6.62%6.37%11.37%9.69%+284 bps
Deposit Growth (YoY)8.81%10.60%7.22%2.68%6.67%2.11%5.69%8.05%+537 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.01%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.02%0.00%0.03%+2 bps
Allowance / Loans0.77%0.77%0.78%0.78%0.75%0.71%0.71%0.71%-6 bps
Allowance Coverage of NPLs116.0xn/an/an/an/an/a59.4x54.1xn/a
Capital
Tier 1 Leverage Ratio9.74%9.77%9.72%9.88%9.91%9.79%10.06%9.91%+3 bps
Total Risk-Based Capital9.74%9.77%9.72%9.88%9.91%9.79%10.06%9.91%+3 bps
Equity / Assets8.89%8.65%8.81%9.41%9.13%9.54%9.25%9.55%+15 bps
Liquidity & Funding
Loans / Deposits83.25%85.53%82.06%84.63%83.21%89.09%86.47%85.92%+128 bps
Liquid Assets / Assets4.27%2.75%4.84%4.00%4.74%0.78%4.75%2.37%-163 bps
CRE / Total Capitaln/an/an/an/a322%349%344%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

Traditions First Bank

Erin, TN · Cert 57092 · Peer group: banks under $1B in assets (n=581-629) · Traditions First Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$336.6MAssets
$257.8MLoans
$300.1MDeposits
$32.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 89 of 581).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 572 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.83%

Rank 402 of 629

Net Interest Margin

3.50%

Rank 330 of 629

Efficiency Ratio

70.47%

Rank 361 of 629

Equity / Assets

9.55%

Rank 421 of 629

Non-interest income vs. expense

$1.0M$9.1MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 43% of banks under $1B in assets
Bank 70.47%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.83%0.60%1.01%1.45%Beats 36%402 / 629
Return on Equity8.69%5.38%9.30%13.28%Beats 45%349 / 629
Net Interest Margin3.50%3.03%3.54%4.05%Beats 48%330 / 629
Efficiency Ratio70.47%58.35%67.79%79.08%Beats 43%361 / 629
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.46%1.20%Beats 85%89 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 45%323 / 581
Capital
Tier 1 Capital Ratio9.91%11.24%13.84%18.77%Beats 10%568 / 629
Total Risk-Based Capital Ratio9.91%11.58%14.43%19.66%Beats 9%572 / 629
Equity / Assets9.55%9.09%10.65%13.80%Beats 33%421 / 629
Liquidity & Funding
Loans / Deposits85.92%67.24%80.90%93.48%60th pctl235 / 594
Loans / Assets76.60%53.31%67.71%78.15%71st pctl185 / 629
Brokered Deposits / Depositsn/aNot reported for this institution