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Patriot Bank

Millington, TN · Cert 57416 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 8 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

46

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 2026-10-12

Patriot Bank

Millington, TN · Cert 57416 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 8 branches (21 in holding)

Q2 2026

$451.2MAssets
$255.1MLoans
$402.3MDeposits
$40.8MEquity
Loan mix
90%RE $220.3M8%C&I $18.9M2%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $314.5M22%Noninterest $87.9MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.59%Q2 ’254.60%Q2 ’26+10%+3%

Non-interest income vs. expense

3.36%Q2 ’243.44%Q2 ’253.49%Q2 ’26+2%+1%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.9% share · #21 of 48 inst. · $0.4B of $46.3B

0.7% Shelby
16.7% Tipton

Executive Summary

  • Earnings: ROA of 0.38%, down 2 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 1.09% of loans (+75 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.89%, down 1 bps from a year ago.
  • Funding: loans stand at 63.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+9 bps YoY

Efficiency Ratio (YTD, annualized)

86.05%-133 bps YoY

Tier 1 Leverage Ratio

9.89%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.41%0.40%0.23%0.38%-2 bps
Return on Equity4.68%4.57%4.41%2.43%4.11%-57 bps
Net Interest Margin3.05%3.19%3.16%3.08%3.14%+9 bps
Efficiency Ratio87.38%85.98%86.08%89.49%86.05%-133 bps
Non-Interest Burden2.55%2.60%2.59%2.68%2.57%+3 bps
Growth
Asset Growth (YoY)-5.37%-2.63%-2.33%-2.56%2.77%+814 bps
Loan Growth (YoY)-8.45%-1.26%3.24%7.76%8.39%+1,684 bps
Deposit Growth (YoY)-3.75%-3.59%-2.59%-2.56%3.74%+749 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.64%0.95%1.36%1.09%+75 bps
Net Charge-Offs / Loans0.13%0.10%0.33%0.00%-0.03%-16 bps
Allowance / Loans1.23%1.23%1.01%0.99%1.00%-23 bps
Allowance Coverage of NPLs3.6x1.9x1.1x0.7x0.9x-2.7x
Capital
Tier 1 Leverage Ratio9.90%10.39%9.97%10.00%9.89%-1 bps
Total Risk-Based Capital13.82%13.75%13.24%13.24%13.12%-70 bps
Equity / Assets8.84%9.77%9.51%9.44%9.04%+20 bps
Liquidity & Funding
Loans / Deposits60.69%63.70%63.14%64.46%63.40%+272 bps
Liquid Assets / Assets3.45%0.07%0.46%0.52%1.81%-163 bps
CRE / Total Capitaln/a273%285%293%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 2026-10-12

Patriot Bank

Millington, TN · Cert 57416 · Peer group: banks under $1B in assets (n=581-629) · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 8 branches (21 in holding)

Q2 2026

$451.2MAssets
$255.1MLoans
$402.3MDeposits
$40.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 56% of banks under $1B in assets (rank 257 of 581).
  • Widest gap: return on assets trails 85% of banks under $1B in assets (rank 535 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.37%

Rank 535 of 629

Net Interest Margin

3.14%

Rank 438 of 629

Efficiency Ratio

86.05%

Rank 524 of 629

Equity / Assets

9.04%

Rank 476 of 629

Non-interest income vs. expense

$4.1M$15.4MINCOMEEXPENSE
Unfavorable gap of $11.3M · efficiency ratio beats 17% of banks under $1B in assets
Bank 86.05%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.60%1.01%1.45%Beats 15%535 / 629
Return on Equity4.10%5.38%9.30%13.28%Beats 19%511 / 629
Net Interest Margin3.14%3.03%3.54%4.05%Beats 30%438 / 629
Efficiency Ratio86.05%58.35%67.79%79.08%Beats 17%524 / 629
Asset Quality
Nonperforming Loans / Loans1.09%0.09%0.46%1.20%Beats 28%419 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 56%257 / 581
Capital
Tier 1 Capital Ratio12.39%11.24%13.84%18.77%Beats 37%397 / 629
Total Risk-Based Capital Ratio13.12%11.58%14.43%19.66%Beats 40%377 / 629
Equity / Assets9.04%9.09%10.65%13.80%Beats 24%476 / 629
Liquidity & Funding
Loans / Deposits63.40%67.24%80.90%93.48%22nd pctl466 / 594
Loans / Assets56.54%53.31%67.71%78.15%29th pctl446 / 629
Brokered Deposits / Depositsn/aNot reported for this institution