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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

5.93%Q2 ’245.74%Q2 ’255.31%Q2 ’26+8%+2%

Non-interest income vs. expense

1.99%Q2 ’242.72%Q2 ’252.23%Q2 ’26+19%0%

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 0.84%, up 2 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 1.03% of loans (+68 bps YoY), with net recoveries of 0.04%.
  • 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 (quarter, annualized)

0.84%+2 bps YoY

Net Interest Margin (quarter, annualized)

2.93%+5 bps YoY

Efficiency Ratio (quarter, annualized)

66.94%-521 bps YoY

Tier 1 Leverage Ratio

9.49%-21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.72%0.95%0.58%0.84%+2 bps
Return on Equity8.93%7.84%10.06%6.18%9.09%+17 bps
Net Interest Margin2.87%3.10%3.07%3.10%2.93%+5 bps
Efficiency Ratio72.15%69.09%61.88%68.35%66.94%-521 bps
Non-Interest Burden1.83%1.99%1.75%2.00%1.83%0 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 / Loans0.09%0.01%0.10%0.14%-0.04%-13 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