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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 0.80%, down 6 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

0.80%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+10 bps YoY

Efficiency Ratio (quarter, annualized)

71.78%+210 bps YoY

Tier 1 Leverage Ratio

9.91%+3 bps YoY

NIM

5.56%Q2 ’245.58%Q2 ’255.59%Q2 ’26+6%+3%

Non-interest income vs. expense

2.60%Q2 ’242.60%Q2 ’252.70%Q2 ’26+19%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.94%0.80%0.86%0.82%0.85%0.87%0.80%-6 bps
Return on Equity8.23%10.70%9.17%9.43%8.88%9.14%9.29%8.50%-93 bps
Net Interest Margin3.28%3.38%3.24%3.42%3.52%3.57%3.59%3.52%+10 bps
Efficiency Ratio71.41%66.46%70.11%69.68%70.99%66.69%69.16%71.78%+210 bps
Non-Interest Burden2.25%2.16%2.17%2.29%2.42%2.32%2.38%2.46%+17 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%0.01%0.06%0.00%0.05%+5 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