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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

4.78%Q2 ’245.27%Q2 ’255.62%Q2 ’26+37%+12%

Non-interest income vs. expense

2.76%Q2 ’243.08%Q2 ’253.18%Q2 ’26+10%-5%

Executive Summary

  • Earnings: ROA of 1.64%, up 39 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.32% of loans (-8 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.64%+39 bps YoY

Net Interest Margin (quarter, annualized)

4.51%+47 bps YoY

Efficiency Ratio (quarter, annualized)

59.88%-703 bps YoY

Tier 1 Leverage Ratio

9.43%+125 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.35%1.43%1.30%1.64%+39 bps
Return on Equity14.55%15.46%15.97%14.14%17.56%+301 bps
Net Interest Margin4.04%4.25%4.29%4.32%4.51%+47 bps
Efficiency Ratio66.91%64.33%64.70%67.73%59.88%-703 bps
Non-Interest Burden2.48%2.49%2.51%2.68%2.36%-12 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-0.03%0.00%0.02%0.01%-0.01%+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