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Letter portraitLegal landscapeQuarterYTD

Decatur County Bank

Decaturville, TN · Cert 6101 · Decatur Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$325.6MAssets
$258.1MLoans
$295.3MDeposits
$26.9MEquity
Loan mix
71%RE $170.4M26%C&I $62.2M2%Consumer $5.9MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $246.2M17%Noninterest $49.1MQ3 2024Q2 2026

Market Position · Jackson, TN · 2026 SOD (annual) · 2.5% share · #10 of 23 inst. · $0.1B of $4.3B

29.2% Decatur
4.3% Madison
10.5% Haywood
0.0% Shelby

Executive Summary

  • Earnings: ROA of 0.70%, up 15 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.98% of loans (+67 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.03%, up 98 bps from a year ago.
  • Funding: loans stand at 87.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.70%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+7 bps YoY

Efficiency Ratio (YTD, annualized)

78.14%-421 bps YoY

Tier 1 Leverage Ratio

9.03%+98 bps YoY

NIM

6.05%Q2 ’245.87%Q2 ’255.77%Q2 ’26+4%+2%

Non-interest income vs. expense

3.20%Q2 ’243.30%Q2 ’253.25%Q2 ’26+2%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.56%0.48%0.55%0.55%0.63%0.76%0.70%+15 bps
Return on Equity8.13%7.97%6.78%7.75%7.70%8.42%9.03%8.42%+67 bps
Net Interest Margin3.51%3.50%3.66%3.58%3.66%3.60%3.65%3.66%+7 bps
Efficiency Ratio81.59%81.47%85.12%82.35%80.46%78.82%77.53%78.14%-421 bps
Non-Interest Burden2.78%2.75%3.05%2.88%2.85%2.74%2.70%2.75%-13 bps
Growth
Asset Growth (YoY)4.28%4.04%2.13%4.28%7.50%10.12%11.63%10.21%+593 bps
Loan Growth (YoY)4.12%4.04%6.68%6.75%11.51%13.30%8.90%7.38%+63 bps
Deposit Growth (YoY)3.86%4.78%2.41%5.06%8.01%9.08%11.34%9.53%+446 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.08%0.10%0.31%0.21%0.24%0.27%0.98%+67 bps
Net Charge-Offs / Loans0.01%0.00%-0.01%-0.01%-0.01%-0.01%0.00%0.01%+2 bps
Allowance / Loans0.90%0.93%0.92%0.92%0.97%0.97%1.00%0.97%+6 bps
Allowance Coverage of NPLs26.6x12.0x8.8x3.0x4.6x4.0x3.7x1.0x-2.0x
Capital
Tier 1 Leverage Ratio8.30%8.27%8.36%8.05%8.17%9.20%9.10%9.03%+98 bps
Total Risk-Based Capital11.29%10.99%10.92%11.11%10.93%12.00%12.42%12.00%+89 bps
Equity / Assets7.41%6.98%7.21%7.20%7.41%8.41%8.36%8.27%+106 bps
Liquidity & Funding
Loans / Deposits88.60%87.59%89.03%89.13%91.48%90.98%87.08%87.38%-175 bps
Liquid Assets / Assets2.11%3.73%2.43%2.26%1.44%2.12%5.04%3.03%+77 bps
CRE / Total Capitaln/an/an/an/a339%315%301%n/an/a