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Capstar Bank

Nashville, TN · Cert 58823

FDIC · 23 branches

Q1 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2024, the quarter ended March 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Capstar Bank

Nashville, TN · Cert 58823

FDIC · 23 branches

Q1 2024

$3.0BAssets
$2.3BLoans
$2.6BDeposits
$372.6MEquity
Loan mix
66%RE $1.1B31%C&I $0.5B3%Consumer $0.0BQ1 2023Q1 2024
Deposit mix
85%Interest-bearing $2.2B15%Noninterest $0.4BQ1 2023Q1 2024

NIM

2.89%Q1 ’224.47%Q1 ’235.12%Q1 ’24+8%-14%

Non-interest income vs. expense

2.22%Q1 ’222.35%Q1 ’234.16%Q1 ’24+46%+111%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2023 SOD (annual) · 1.7% share · #10 of 63 inst. · $1.6B of $93.9B

2.0% Davidson
35.8% Mcminn
13.7% Coffee
3.5% Sumner

Executive Summary

  • Earnings: ROA of -0.58%, down 145 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.81% of loans (+35 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.41%, up 73 bps from a year ago.
  • Funding: loans stand at 89.73% of deposits as of Q1 2024.

Financial Results

Return on Assets (YTD, annualized)

-0.58%-145 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-43 bps YoY

Efficiency Ratio (YTD, annualized)

122.13%+6,045 bps YoY

Tier 1 Leverage Ratio

12.41%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets0.87%0.96%1.03%1.05%-0.58%-145 bps
Return on Equity7.40%8.29%8.91%8.99%-4.74%-1,215 bps
Net Interest Margin3.00%2.91%2.77%2.70%2.56%-43 bps
Efficiency Ratio61.68%62.41%62.09%62.44%122.13%+6,045 bps
Non-Interest Burden1.57%1.55%1.45%1.41%3.31%+174 bps
Growth
Asset Growth (YoY)1.36%2.70%3.16%0.83%-5.91%-728 bps
Loan Growth (YoY)13.20%3.75%-0.20%-2.35%-5.70%-1,890 bps
Deposit Growth (YoY)-0.16%3.20%6.20%-0.52%-7.17%-701 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.50%0.31%0.68%0.81%+35 bps
Net Charge-Offs / Loans0.03%0.03%0.04%0.03%0.05%+2 bps
Allowance / Loans1.03%1.06%1.04%1.06%1.11%+8 bps
Allowance Coverage of NPLs2.3x2.1x3.4x1.5x1.4x-0.9x
Capital
Tier 1 Leverage Ratio11.68%11.51%11.60%11.82%12.41%+73 bps
Total Risk-Based Capital13.48%13.80%14.85%15.40%15.08%+160 bps
Equity / Assets11.49%11.39%11.10%12.13%12.26%+76 bps
Liquidity & Funding
Loans / Deposits88.33%88.36%82.90%86.16%89.73%+140 bps
Liquid Assets / Assets4.66%4.40%9.87%7.13%5.18%+52 bps
CRE / Total Capitaln/an/an/an/an/an/an/a