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One Bank of Tennessee

Cookeville, TN · Cert 8432 · B P C Corp.

State charter, non-member · FDIC · 19 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.5BDeposits
$146.5MEquity
Loan mix
95%RE $1.0B3%C&I $0.0B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.2B20%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.71%Q2 ’245.10%Q2 ’255.20%Q2 ’26+27%+10%

Non-interest income vs. expense

2.26%Q2 ’242.32%Q2 ’252.41%Q2 ’26+3%+2%

Market Position · Knoxville, TN · 2026 SOD (annual) · 0.6% share · #25 of 42 inst. · $0.2B of $26.6B

16.1% Putnam
26.0% Cumberland
20.9% Fentress
14.5% White

Executive Summary

  • Earnings: ROA of 1.91%, up 24 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.01% of loans (-4 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.09%, up 100 bps from a year ago.
  • Funding: loans stand at 74.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.91%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.98%+35 bps YoY

Efficiency Ratio (quarter, annualized)

48.46%-217 bps YoY

Tier 1 Leverage Ratio

9.09%+100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.70%1.96%1.74%1.91%+24 bps
Return on Equity23.10%21.64%23.21%20.02%21.92%-118 bps
Net Interest Margin3.63%3.77%3.86%3.88%3.98%+35 bps
Efficiency Ratio50.63%49.82%42.24%49.81%48.46%-217 bps
Non-Interest Burden1.39%1.49%1.14%1.51%1.41%+2 bps
Growth
Asset Growth (YoY)3.99%3.36%2.27%0.70%1.09%-290 bps
Loan Growth (YoY)8.73%4.41%3.21%3.13%1.58%-715 bps
Deposit Growth (YoY)2.88%1.82%-0.16%-1.24%-0.41%-330 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.01%0.00%0.01%-4 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.02%0.03%0 bps
Allowance / Loans0.55%0.58%0.62%0.65%0.68%+13 bps
Allowance Coverage of NPLs10.5x43.4x80.2x155.0x49.5x+39.0x
Capital
Tier 1 Leverage Ratio8.09%8.61%8.96%9.08%9.09%+100 bps
Total Risk-Based Capital14.13%14.99%15.72%15.43%15.59%+146 bps
Equity / Assets7.54%8.13%8.72%8.68%8.79%+125 bps
Liquidity & Funding
Loans / Deposits72.56%71.84%72.38%73.20%74.02%+146 bps
Liquid Assets / Assets7.79%7.14%8.24%7.41%7.07%-72 bps
CRE / Total Capitaln/a381%361%367%n/an/a