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Truxton Trust Company

Nashville, TN · Cert 57825 · Truxton Corp.

State charter, Fed member · FED · 1 branch

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=313 to 319). 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

80

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

Truxton Trust Company

Nashville, TN · Cert 57825 · Truxton Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.4BAssets
$803.7MLoans
$1.1BDeposits
$120.8MEquity
Loan mix
84%RE $667.4M12%C&I $95.1M4%Consumer $33.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $980.5M13%Noninterest $145.8MQ2 2025Q2 2026

NIM

5.45%Q2 ’245.10%Q2 ’255.48%Q2 ’26+1%+15%

Non-interest income vs. expense

2.46%Q2 ’242.41%Q2 ’252.41%Q2 ’26+21%+44%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.0% share · #16 of 62 inst. · $1.1B of $107.8B

Executive Summary

  • Earnings: ROA of 1.98%, up 16 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.27%, down 9 bps from a year ago.
  • Funding: loans stand at 71.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.98%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+39 bps YoY

Efficiency Ratio (YTD, annualized)

49.39%-230 bps YoY

Tier 1 Leverage Ratio

9.27%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.82%1.76%1.95%1.98%+16 bps
Return on Equity20.65%20.96%20.63%23.72%23.45%+280 bps
Net Interest Margin2.62%2.55%2.55%3.01%3.01%+39 bps
Efficiency Ratio51.69%51.24%50.53%49.77%49.39%-230 bps
Non-Interest Burden0.37%0.39%0.40%0.59%0.54%+16 bps
Growth
Asset Growth (YoY)26.63%27.07%42.98%15.00%9.73%-1,690 bps
Loan Growth (YoY)6.75%8.44%21.43%15.11%16.12%+937 bps
Deposit Growth (YoY)23.49%29.25%43.28%15.28%7.26%-1,623 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.01%0.01%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.97%0.98%0.91%0.91%0.92%-5 bps
Allowance Coverage of NPLsn/a64.5x71.3x61.4x52.4xn/a
Capital
Tier 1 Leverage Ratio9.36%8.90%8.77%8.85%9.27%-9 bps
Total Risk-Based Capital14.53%14.24%13.81%14.58%14.92%+40 bps
Equity / Assets8.30%8.26%8.00%8.47%8.85%+54 bps
Liquidity & Funding
Loans / Deposits65.92%62.20%65.52%68.12%71.36%+544 bps
Liquid Assets / Assets0.73%1.00%3.13%1.42%0.81%+8 bps
CRE / Total Capitaln/a288%321%308%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

Truxton Trust Company

Nashville, TN · Cert 57825 · Peer group: banks $1B-$10B in assets (n=313-319) · Truxton Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.4BAssets
$803.7MLoans
$1.1BDeposits
$120.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets (rank 17 of 319).
  • Widest gap: equity / assets trails 79% of banks $1B-$10B in assets (rank 251 of 319).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.00%

Rank 24 of 319

Net Interest Margin

3.01%

Rank 246 of 319

Efficiency Ratio

49.39%

Rank 64 of 319

Equity / Assets

8.85%

Rank 251 of 319

Non-interest income vs. expense

$25.8M$33.1MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 80% of banks $1B-$10B in assets
Bank 49.39%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.00%0.91%1.21%1.53%Beats 92%24 / 319
Return on Equity22.65%8.49%11.44%14.57%Beats 95%17 / 319
Net Interest Margin3.01%3.06%3.43%3.81%Beats 23%246 / 319
Efficiency Ratio49.39%51.90%59.57%67.64%Beats 80%64 / 319
Asset Quality
Nonperforming Loans / Loans0.02%0.25%0.54%1.18%Beats 94%20 / 313
Net Charge-Offs / Loans0.00%0.01%0.04%0.12%Beats 92%25 / 313
Capital
Tier 1 Capital Ratio14.02%11.74%12.99%15.28%Beats 63%119 / 319
Total Risk-Based Capital Ratio14.92%12.61%14.01%16.23%Beats 62%120 / 319
Equity / Assets8.85%9.03%10.33%12.01%Beats 21%251 / 319
Liquidity & Funding
Loans / Deposits71.36%76.76%88.16%95.43%16th pctl264 / 314
Loans / Assets58.84%65.79%74.05%79.84%15th pctl271 / 319
Brokered Deposits / Depositsn/aNot reported for this institution