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Lineage Bank

Franklin, TN · Cert 6100 · Recap Financial Ventures LLC

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

1

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

Lineage Bank

Franklin, TN · Cert 6100 · Recap Financial Ventures LLC

State charter, non-member · FDIC · 2 branches

Q2 2026

$197.7MAssets
$124.8MLoans
$170.6MDeposits
$25.1MEquity
Loan mix
92%RE $101.4M8%C&I $8.5M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $156.7M8%Noninterest $13.8MQ2 2025Q2 2026

NIM

5.74%Q2 ’245.34%Q2 ’254.91%Q2 ’26-41%+29%

Non-interest income vs. expense

4.76%Q2 ’245.17%Q2 ’256.03%Q2 ’26+25%+16%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.1% share · #46 of 62 inst. · $0.1B of $107.8B

1.0% Williamson
3.4% Carroll

Executive Summary

  • Earnings: ROA of -5.11%, up 7 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 1.18% of loans (+117 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.18%, up 839 bps from a year ago.
  • Funding: loans stand at 73.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-5.11%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.19%+49 bps YoY

Efficiency Ratio (YTD, annualized)

260%-3,195 bps YoY

Tier 1 Leverage Ratio

15.18%+839 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-5.18%-4.48%-4.10%-5.25%-5.11%+7 bps
Return on Equity-100.23%-89.59%-83.60%-72.20%-55.33%+4,490 bps
Net Interest Margin1.71%1.90%2.02%2.27%2.19%+49 bps
Efficiency Ratio292%265%236%302%260%-3,195 bps
Non-Interest Burden5.11%5.31%5.34%7.12%5.91%+80 bps
Growth
Asset Growth (YoY)-30.60%-15.35%-26.61%-6.52%4.99%+3,559 bps
Loan Growth (YoY)-14.30%-7.19%-7.74%-3.72%9.79%+2,410 bps
Deposit Growth (YoY)-30.24%-10.09%-24.12%-9.24%-1.58%+2,866 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%1.18%+117 bps
Net Charge-Offs / Loans2.88%1.94%1.52%0.00%0.00%-288 bps
Allowance / Loans1.02%1.04%1.10%1.23%1.76%+73 bps
Allowance Coverage of NPLs83.2xn/an/an/a1.5x-81.7x
Capital
Tier 1 Leverage Ratio6.79%6.63%6.39%12.88%15.18%+839 bps
Total Risk-Based Capital11.46%10.61%9.95%18.50%21.17%+970 bps
Equity / Assets4.67%4.45%4.43%9.77%12.71%+805 bps
Liquidity & Funding
Loans / Deposits65.58%65.51%69.94%66.70%73.16%+758 bps
Liquid Assets / Assets18.13%18.37%13.30%23.70%21.26%+313 bps
CRE / Total Capitaln/a415%417%215%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

Lineage Bank

Franklin, TN · Cert 6100 · Peer group: banks under $1B in assets (n=581-629) · Recap Financial Ventures LLC

State charter, non-member · FDIC · 2 branches

Q2 2026

$197.7MAssets
$124.8MLoans
$170.6MDeposits
$25.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets (rank 134 of 629).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets (rank 624 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-4.72%

Rank 619 of 629

Net Interest Margin

2.19%

Rank 592 of 629

Efficiency Ratio

260%

Rank 624 of 629

Equity / Assets

12.71%

Rank 198 of 629

Non-interest income vs. expense

$0.2M$11.7MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 1% of banks under $1B in assets
Bank 260%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-4.72%0.60%1.01%1.45%Beats 2%619 / 629
Return on Equity-37.09%5.38%9.30%13.28%Beats 1%624 / 629
Net Interest Margin2.19%3.03%3.54%4.05%Beats 6%592 / 629
Efficiency Ratio260%58.35%67.79%79.08%Beats 1%624 / 629
Asset Quality
Nonperforming Loans / Loans1.18%0.09%0.46%1.20%Beats 25%434 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 66%199 / 581
Capital
Tier 1 Capital Ratio19.91%11.24%13.84%18.77%Beats 77%142 / 629
Total Risk-Based Capital Ratio21.17%11.58%14.43%19.66%Beats 79%134 / 629
Equity / Assets12.71%9.09%10.65%13.80%Beats 69%198 / 629
Liquidity & Funding
Loans / Deposits73.16%67.24%80.90%93.48%35th pctl387 / 594
Loans / Assets63.11%53.31%67.71%78.15%41st pctl370 / 629
Brokered Deposits / Depositsn/aNot reported for this institution