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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Firstbank

Nashville, Tennessee · $16.76B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

1.40%
NPA / loans
12th of 12
+30.4%
Loans, year over year
1st of 12, largest first
1.1x
Coverage of noncurrent
11th of 12

Firstbank is the tenth largest of the 12 the South Central states banks nearest its size over $10B, with $16.76B in assets at 30 June 2026. Loans are 90.9% of deposits, 7th of 12 against a median of 90.8%, and equity is 11.7% of assets, 7th of 12. Loans grew +30.4% in the year, the fastest in the cohort, and deposits grew 25.5%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 1.40% of the book, the highest in the cohort against a median of 0.92%; 0.45% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 37.8% of loans, 7th of 12 against a median of 36.9%, and 269% of capital, below the 300% screen, with construction at 63% against the 100% screen.

Return on assets is 1.47%, 5th of 12 against a median of 1.39%, on an efficiency ratio of 52.8%, 5th of 12. Five years ago it was 1.65%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.92% SY Stock Yards Bank & Trust Co. 0.31% CB Centennial Bank 0.55% HW Hancock Whitney Bank 0.57% FH First Horizon Bank 0.83% AB Arvest Bank 0.86% SB Simmons Bank 0.92% BO Bank Ozk 0.92% RB Renasant Bank 0.96% OB Origin Bank 0.97% TB Trustmark Bank 1.14% SB Servisfirst Bank 1.18% F Firstbank 1.40%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Firstbank is the 52nd largest 7(a) lender into Georgia of 409, with $90M across 144 loans, 0.5% of everything approved in the state (Metro City Bank leads with $1.91B). 53 of its 73 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bartow, GA$22M2nd of 718.6%+0.7 pts
Fulton, GA$10M60th of 2110.3%-0.3 pts
Lee, AL$9M2nd of 616.6%-13.4 pts
Williamson, TN$8M16th of 1121.6%quiet FY2015
Cobb, GA$7M57th of 1820.4%+0.1 pts
Gwinnett, GA$6M65th of 1690.3%thin
Calhoun, AL$6M2nd of 507.1%quiet FY2021
Davidson, TN$6M29th of 1640.7%quiet FY2014
Henry, GA$6M24th of 1021.4%quiet FY2018
Bibb, GA$5M15th of 842.0%quiet FY2015
Jefferson, AL$4M45th of 1280.6%+0.1 pts
Douglas, GA$4M22nd of 831.4%quiet FY2019
Tallapoosa, AL$4M3rd of 257.4%quiet FY2021
60 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services75$57M35.0%0.07%203rd of 2,596
Retail trade50$29M17.9%0.05%258th of 2,589
Other services21$18M11.0%0.05%255th of 2,248
Construction19$14M8.5%0.04%301st of 2,063
Manufacturing14$11M6.7%0.03%436th of 2,246
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Firstbank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans F Firstbank 0.5% $90M · 144 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
FirstbankRankCohort median
Total CRE against capital, the 300% screen269%9th of 12252%
Construction against capital, the 100% screen63%5th of 1267%
Construction and land development, share of loans8.9%5th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans23.1%7th of 1221.4%
Total CRE, the guidance definition, share of loans37.8%7th of 1236.9%
CRE growth over 36 months, the third prong+22.4%8th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
FirstbankCohort median
20212026Change20212026Change
Loans$8.02B$13.06B+63%$10.62B$17.56B+65%
Deposits$10.23B$14.36B+40%$14.43B$19.75B+37%
NPA / loans0.82%1.40%+0.58 pts0.61%0.92%+0.31 pts
Efficiency65.2%52.8%-12.4 pts62.9%55.5%-7.4 pts
ROA1.65%1.47%-0.18 pts1.40%1.39%-0.01 pts

This read was prepared for Firstbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Firstbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.firstbankonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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