PackageTrendsPeer
Letter portraitLegal landscape

Nantahala Bank & Trust Company

Franklin, NC · Cert 57784

State charter, non-member · FDIC · 3 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

62

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

Nantahala Bank & Trust Company

Franklin, NC · Cert 57784

State charter, non-member · FDIC · 3 branches

Q2 2026

$288.8MAssets
$194.5MLoans
$260.4MDeposits
$27.5MEquity
Loan mix
93%RE $183.2M5%C&I $10.0M2%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $168.8M35%Noninterest $91.5MQ2 2025Q2 2026

NIM

4.64%Q2 ’245.15%Q2 ’255.49%Q2 ’26+39%+11%

Non-interest income vs. expense

2.78%Q2 ’243.08%Q2 ’253.24%Q2 ’26+9%0%

Executive Summary

  • Earnings: ROA of 1.47%, up 35 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.32% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.43%, up 125 bps from a year ago.
  • Funding: loans stand at 74.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+45 bps YoY

Efficiency Ratio (YTD, annualized)

63.64%-534 bps YoY

Tier 1 Leverage Ratio

9.43%+125 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.19%1.26%1.30%1.47%+35 bps
Return on Equity13.27%14.00%14.52%14.14%15.86%+259 bps
Net Interest Margin3.91%3.92%3.94%4.32%4.36%+45 bps
Efficiency Ratio68.98%67.30%66.58%67.73%63.64%-534 bps
Non-Interest Burden2.50%2.43%2.41%2.68%2.49%0 bps
Growth
Asset Growth (YoY)-4.56%-0.62%5.28%8.23%7.66%+1,223 bps
Loan Growth (YoY)3.78%2.64%3.63%4.77%1.83%-195 bps
Deposit Growth (YoY)-2.57%-1.91%4.17%7.66%6.66%+923 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.37%0.36%0.37%0.32%-8 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.01%0.00%+2 bps
Allowance / Loans1.02%1.01%0.99%0.97%0.97%-5 bps
Allowance Coverage of NPLs2.6x2.7x2.7x2.7x3.1x+0.5x
Capital
Tier 1 Leverage Ratio8.18%8.28%8.56%9.11%9.43%+125 bps
Total Risk-Based Capital13.65%14.04%14.38%15.03%16.00%+236 bps
Equity / Assets8.67%8.74%9.12%9.20%9.53%+86 bps
Liquidity & Funding
Loans / Deposits78.26%75.57%77.09%75.88%74.71%-354 bps
Liquid Assets / Assets18.02%17.80%14.21%14.68%16.36%-166 bps
CRE / Total Capitaln/a334%316%309%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

Nantahala Bank & Trust Company

Franklin, NC · Cert 57784 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 3 branches

Q2 2026

$288.8MAssets
$194.5MLoans
$260.4MDeposits
$27.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets (rank 87 of 629).
  • Widest gap: equity / assets trails 67% of banks under $1B in assets (rank 423 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.45%

Rank 154 of 629

Net Interest Margin

4.36%

Rank 87 of 629

Efficiency Ratio

63.64%

Rank 240 of 629

Equity / Assets

9.53%

Rank 423 of 629

Non-interest income vs. expense

$2.1M$9.3MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 62% of banks under $1B in assets
Bank 63.64%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.60%1.01%1.45%Beats 76%154 / 629
Return on Equity15.25%5.38%9.30%13.28%Beats 84%98 / 629
Net Interest Margin4.36%3.03%3.54%4.05%Beats 86%87 / 629
Efficiency Ratio63.64%58.35%67.79%79.08%Beats 62%240 / 629
Asset Quality
Nonperforming Loans / Loans0.32%0.09%0.46%1.20%Beats 56%254 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 50%292 / 581
Capital
Tier 1 Capital Ratio14.93%11.24%13.84%18.77%Beats 59%258 / 629
Total Risk-Based Capital Ratio16.00%11.58%14.43%19.66%Beats 61%245 / 629
Equity / Assets9.53%9.09%10.65%13.80%Beats 33%423 / 629
Liquidity & Funding
Loans / Deposits74.71%67.24%80.90%93.48%38th pctl366 / 594
Loans / Assets67.37%53.31%67.71%78.15%49th pctl322 / 629
Brokered Deposits / Depositsn/aNot reported for this institution