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Southeast Bank

Farragut, TN · Cert 57348 · Education Loan Finance Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

17

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

Southeast Bank

Farragut, TN · Cert 57348 · Education Loan Finance Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$3.6BAssets
$3.1BLoans
$3.2BDeposits
$307.0MEquity
Loan mix
40%RE $1.3B4%C&I $0.1B56%Consumer $1.8BQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $3.0B7%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Knoxville, TN · 2026 SOD (annual) · 6.0% share · #6 of 42 inst. · $1.6B of $26.6B

7.2% Knox
13.3% Putnam
2.7% Hamilton
22.0% McMinn

Executive Summary

  • Earnings: ROA of 0.75%, up 6 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 2.66% of loans (-67 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 8.51%, up 24 bps from a year ago.
  • Funding: loans stand at 96.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.75%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+5 bps YoY

Efficiency Ratio (YTD, annualized)

71.34%+121 bps YoY

Tier 1 Leverage Ratio

8.51%+24 bps YoY

NIM

6.70%Q2 ’245.79%Q2 ’255.71%Q2 ’26-14%+2%

Non-interest income vs. expense

2.42%Q2 ’242.30%Q2 ’252.38%Q2 ’26+5%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.93%0.64%0.69%0.69%0.68%0.60%0.75%+6 bps
Return on Equity11.63%10.75%7.53%8.22%8.27%8.17%7.19%8.91%+69 bps
Net Interest Margin3.73%3.66%3.20%3.10%3.12%3.15%3.17%3.15%+5 bps
Efficiency Ratio60.67%67.88%74.00%70.14%69.55%71.37%72.55%71.34%+121 bps
Non-Interest Burden2.10%2.41%2.31%2.12%2.11%2.19%2.25%2.19%+8 bps
Growth
Asset Growth (YoY)16.59%2.21%15.14%16.51%20.16%17.06%8.62%7.96%-855 bps
Loan Growth (YoY)15.89%0.05%14.59%22.00%25.34%21.97%11.66%8.02%-1,398 bps
Deposit Growth (YoY)17.00%1.43%15.80%17.61%22.02%17.85%8.56%7.80%-981 bps
Asset Quality
Nonperforming Loans / Loans2.68%2.32%3.66%3.33%3.30%3.43%2.73%2.66%-67 bps
Net Charge-Offs / Loans0.26%0.22%0.07%0.08%0.10%0.10%0.06%0.09%+1 bps
Allowance / Loans0.83%0.67%0.59%0.59%0.61%0.62%0.62%0.59%-1 bps
Allowance Coverage of NPLs0.3x0.3x0.2x0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio9.13%9.19%8.90%8.28%8.24%8.54%8.51%8.51%+24 bps
Total Risk-Based Capital15.14%14.90%13.84%13.15%12.85%13.13%13.16%13.30%+15 bps
Equity / Assets9.03%8.87%8.16%8.28%8.17%8.40%8.34%8.57%+28 bps
Liquidity & Funding
Loans / Deposits94.60%92.99%95.10%96.44%97.18%96.25%97.81%96.64%+20 bps
Liquid Assets / Assets10.31%11.32%8.66%7.53%6.80%8.06%6.44%7.82%+28 bps
CRE / Total Capitaln/an/an/an/a315%303%317%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

Southeast Bank

Farragut, TN · Cert 57348 · Peer group: banks $1B-$10B in assets (n=322-328) · Education Loan Finance Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$3.6BAssets
$3.1BLoans
$3.2BDeposits
$307.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 41% of banks $1B-$10B in assets (rank 195 of 328).
  • Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets (rank 301 of 322).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.74%

Rank 271 of 328

Net Interest Margin

3.15%

Rank 228 of 328

Efficiency Ratio

71.37%

Rank 272 of 328

Equity / Assets

8.57%

Rank 284 of 328

Non-interest income vs. expense

$6.7M$85.4MINCOMEEXPENSE
Unfavorable gap of $78.6M · efficiency ratio beats 17% of banks $1B-$10B in assets
Bank 71.37%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.74%0.91%1.22%1.52%Beats 17%271 / 328
Return on Equity8.68%8.43%11.45%14.43%Beats 27%240 / 328
Net Interest Margin3.15%3.03%3.45%3.83%Beats 30%228 / 328
Efficiency Ratio71.37%51.61%59.56%67.53%Beats 17%272 / 328
Asset Quality
Nonperforming Loans / Loans2.66%0.24%0.51%1.03%Beats 7%301 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 39%198 / 322
Capital
Tier 1 Capital Ratio12.52%11.75%13.15%15.47%Beats 41%195 / 328
Total Risk-Based Capital Ratio13.30%12.63%14.15%16.46%Beats 37%206 / 328
Equity / Assets8.57%9.15%10.33%12.01%Beats 13%284 / 328
Liquidity & Funding
Loans / Deposits96.64%76.63%87.92%95.36%78th pctl71 / 323
Loans / Assets87.07%65.18%74.15%79.98%95th pctl16 / 328
Brokered Deposits / Depositsn/aNot reported for this institution