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First Vision Bank of Tennessee

Tullahoma, TN · Cert 58201 · First Vision Financial Inc.

State charter, Fed member · FED · 5 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

44

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

First Vision Bank of Tennessee

Tullahoma, TN · Cert 58201 · First Vision Financial Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$414.2MAssets
$296.8MLoans
$357.0MDeposits
$51.0MEquity
Loan mix
90%RE $258.5M8%C&I $22.1M2%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $294.2M18%Noninterest $62.9MQ2 2025Q2 2026

NIM

5.92%Q2 ’245.76%Q2 ’255.64%Q2 ’260%+15%

Non-interest income vs. expense

2.10%Q2 ’242.51%Q2 ’252.80%Q2 ’26+19%+16%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.0% share · #57 of 62 inst. · $0.0B of $107.8B

12.4% Coffee
15.8% Franklin
0.4% Rutherford
0.0% Davidson

Executive Summary

  • Earnings: ROA of 1.01%, up 16 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.08% of loans (-177 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.40%, up 90 bps from a year ago.
  • Funding: loans stand at 83.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+47 bps YoY

Efficiency Ratio (YTD, annualized)

69.81%-31 bps YoY

Tier 1 Leverage Ratio

12.40%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.88%0.87%0.96%1.01%+16 bps
Return on Equity8.16%8.22%7.98%8.11%8.39%+23 bps
Net Interest Margin3.20%3.42%3.46%3.64%3.67%+47 bps
Efficiency Ratio70.12%68.90%69.87%70.35%69.81%-31 bps
Non-Interest Burden2.13%2.24%2.31%2.47%2.46%+33 bps
Growth
Asset Growth (YoY)-9.38%-10.06%-11.03%-9.14%-3.56%+582 bps
Loan Growth (YoY)-8.39%-4.72%2.10%-1.19%-0.58%+781 bps
Deposit Growth (YoY)-6.04%-6.42%-10.11%-11.09%-4.56%+148 bps
Asset Quality
Nonperforming Loans / Loans1.85%0.35%0.19%1.11%0.08%-177 bps
Net Charge-Offs / Loans0.00%0.00%0.01%-0.03%-0.01%-1 bps
Allowance / Loans1.24%1.24%1.26%1.31%1.28%+5 bps
Allowance Coverage of NPLs0.7x3.6x6.7x1.2x16.0x+15.3x
Capital
Tier 1 Leverage Ratio11.51%11.86%12.00%12.19%12.40%+90 bps
Total Risk-Based Capital18.72%19.13%19.33%20.07%18.97%+26 bps
Equity / Assets11.28%11.80%11.72%11.90%12.32%+104 bps
Liquidity & Funding
Loans / Deposits79.81%82.70%81.28%79.04%83.13%+332 bps
Liquid Assets / Assets13.22%9.84%10.49%12.47%8.26%-496 bps
CRE / Total Capitaln/a294%287%277%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

First Vision Bank of Tennessee

Tullahoma, TN · Cert 58201 · Peer group: banks under $1B in assets (n=581-629) · First Vision Financial Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$414.2MAssets
$296.8MLoans
$357.0MDeposits
$51.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets (rank 136 of 581).
  • Widest gap: return on equity trails 57% of banks under $1B in assets (rank 361 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.02%

Rank 309 of 629

Net Interest Margin

3.67%

Rank 271 of 629

Efficiency Ratio

69.81%

Rank 351 of 629

Equity / Assets

12.32%

Rank 211 of 629

Non-interest income vs. expense

$1.4M$11.9MINCOMEEXPENSE
Unfavorable gap of $10.4M · efficiency ratio beats 44% of banks under $1B in assets
Bank 69.81%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.60%1.01%1.45%Beats 51%309 / 629
Return on Equity8.30%5.38%9.30%13.28%Beats 43%361 / 629
Net Interest Margin3.67%3.03%3.54%4.05%Beats 57%271 / 629
Efficiency Ratio69.81%58.35%67.79%79.08%Beats 44%351 / 629
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.46%1.20%Beats 77%136 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 44%329 / 581
Capital
Tier 1 Capital Ratio17.72%11.24%13.84%18.77%Beats 72%175 / 629
Total Risk-Based Capital Ratio18.97%11.58%14.43%19.66%Beats 73%168 / 629
Equity / Assets12.32%9.09%10.65%13.80%Beats 66%211 / 629
Liquidity & Funding
Loans / Deposits83.13%67.24%80.90%93.48%53rd pctl282 / 594
Loans / Assets71.67%53.31%67.71%78.15%58th pctl267 / 629
Brokered Deposits / Depositsn/aNot reported for this institution