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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

$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

6.00%Q2 ’245.71%Q2 ’255.64%Q2 ’26+4%+10%

Non-interest income vs. expense

2.09%Q2 ’242.65%Q2 ’252.83%Q2 ’26+24%+9%

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 1.05%, up 16 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.08% of loans (-177 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.05%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.71%+34 bps YoY

Efficiency Ratio (quarter, annualized)

69.29%-117 bps YoY

Tier 1 Leverage Ratio

12.40%+90 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.96%0.86%0.96%1.05%+16 bps
Return on Equity8.34%8.30%7.28%8.11%8.67%+34 bps
Net Interest Margin3.37%3.66%3.61%3.64%3.71%+34 bps
Efficiency Ratio70.46%66.63%72.67%70.35%69.29%-117 bps
Non-Interest Burden2.26%2.34%2.53%2.47%2.46%+19 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 / Loans0.01%0.01%0.03%-0.03%0.00%-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