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Studio Bank

Nashville, TN · Cert 59112 · Studio Financial Holdings Inc.

State charter, Fed member · FED · 2 branches

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=322 to 328). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

25

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

Studio Bank

Nashville, TN · Cert 59112 · Studio Financial Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$1.3BAssets
$1.0BLoans
$1.2BDeposits
$126.5MEquity
Loan mix
82%RE $843.9M18%C&I $180.0M0%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $942.2M19%Noninterest $223.9MQ2 2025Q2 2026

NIM

5.86%Q2 ’245.59%Q2 ’255.25%Q2 ’26+9%+4%

Non-interest income vs. expense

2.00%Q2 ’242.47%Q2 ’252.24%Q2 ’26+18%+3%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.1% share · #13 of 62 inst. · $1.2B of $107.8B

1.0% Davidson
3.6% Williamson

Executive Summary

  • Earnings: ROA of 0.71%, down 7 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 1.03% of loans (+68 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.49%, down 21 bps from a year ago.
  • Funding: loans stand at 88.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+11 bps YoY

Efficiency Ratio (YTD, annualized)

67.64%-322 bps YoY

Tier 1 Leverage Ratio

9.49%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.75%0.81%0.58%0.71%-7 bps
Return on Equity8.56%8.19%8.75%6.18%7.63%-93 bps
Net Interest Margin2.82%2.81%2.65%3.10%2.93%+11 bps
Efficiency Ratio70.86%70.23%67.92%68.35%67.64%-322 bps
Non-Interest Burden1.81%1.80%1.64%2.00%1.86%+5 bps
Growth
Asset Growth (YoY)7.66%24.79%21.89%29.23%24.74%+1,709 bps
Loan Growth (YoY)5.57%16.22%25.42%32.63%26.57%+2,100 bps
Deposit Growth (YoY)9.30%35.48%26.21%28.02%35.51%+2,620 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.32%0.46%0.24%1.03%+68 bps
Net Charge-Offs / Loans0.05%0.03%0.05%0.14%0.05%0 bps
Allowance / Loans1.14%1.15%1.13%1.14%1.16%+2 bps
Allowance Coverage of NPLs3.2x3.6x2.4x4.7x1.1x-2.1x
Capital
Tier 1 Leverage Ratio9.70%10.76%9.84%9.82%9.49%-21 bps
Total Risk-Based Capital12.77%13.67%13.10%12.65%12.63%-14 bps
Equity / Assets9.07%9.23%9.72%8.99%9.41%+34 bps
Liquidity & Funding
Loans / Deposits94.72%80.65%89.25%86.60%88.47%-625 bps
Liquid Assets / Assets8.39%15.55%7.66%10.67%6.71%-168 bps
CRE / Total Capitaln/a417%449%465%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

Studio Bank

Nashville, TN · Cert 59112 · Peer group: banks $1B-$10B in assets (n=322-328) · Studio Financial Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$1.3BAssets
$1.0BLoans
$1.2BDeposits
$126.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 43% of banks $1B-$10B in assets (rank 187 of 322).
  • Widest gap: return on assets trails 86% of banks $1B-$10B in assets (rank 283 of 328).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.70%

Rank 283 of 328

Net Interest Margin

2.93%

Rank 261 of 328

Efficiency Ratio

67.64%

Rank 248 of 328

Equity / Assets

9.41%

Rank 227 of 328

Non-interest income vs. expense

$5.2M$30.7MINCOMEEXPENSE
Unfavorable gap of $25.4M · efficiency ratio beats 25% of banks $1B-$10B in assets
Bank 67.64%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.91%1.22%1.52%Beats 14%283 / 328
Return on Equity7.43%8.43%11.45%14.43%Beats 17%271 / 328
Net Interest Margin2.93%3.03%3.45%3.83%Beats 20%261 / 328
Efficiency Ratio67.64%51.61%59.56%67.53%Beats 25%248 / 328
Asset Quality
Nonperforming Loans / Loans1.03%0.24%0.51%1.03%Beats 25%242 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 43%187 / 322
Capital
Tier 1 Capital Ratio11.45%11.75%13.15%15.47%Beats 22%257 / 328
Total Risk-Based Capital Ratio12.63%12.63%14.15%16.46%Beats 25%246 / 328
Equity / Assets9.41%9.15%10.33%12.01%Beats 31%227 / 328
Liquidity & Funding
Loans / Deposits88.47%76.63%87.92%95.36%51st pctl157 / 323
Loans / Assets76.74%65.18%74.15%79.98%62nd pctl124 / 328
Brokered Deposits / Depositsn/aNot reported for this institution