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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.78%	0.75%	0.81%	0.58%	0.71%	-7 bps
Return on Equity	8.56%	8.19%	8.75%	6.18%	7.63%	-93 bps
Net Interest Margin	2.82%	2.81%	2.65%	3.10%	2.93%	+11 bps
Efficiency Ratio	70.86%	70.23%	67.92%	68.35%	67.64%	-322 bps
Non-Interest Burden	1.81%	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 / Loans	0.35%	0.32%	0.46%	0.24%	1.03%	+68 bps
Net Charge-Offs / Loans	0.05%	0.03%	0.05%	0.14%	0.05%	0 bps
Allowance / Loans	1.14%	1.15%	1.13%	1.14%	1.16%	+2 bps
Allowance Coverage of NPLs	3.2x	3.6x	2.4x	4.7x	1.1x	-2.1x
Capital
Tier 1 Leverage Ratio	9.70%	10.76%	9.84%	9.82%	9.49%	-21 bps
Total Risk-Based Capital	12.77%	13.67%	13.10%	12.65%	12.63%	-14 bps
Equity / Assets	9.07%	9.23%	9.72%	8.99%	9.41%	+34 bps
Liquidity & Funding
Loans / Deposits	94.72%	80.65%	89.25%	86.60%	88.47%	-625 bps
Liquid Assets / Assets	8.39%	15.55%	7.66%	10.67%	6.71%	-168 bps
CRE / Total Capital	n/a	417%	449%	465%	n/a	n/a