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Apex Banking Company of Georgia

Cleveland, GA · Cert 10074

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 assets in GA3

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 in GA (n=58 to 59). 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

12

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

Apex Banking Company of Georgia

Cleveland, GA · Cert 10074

State charter, non-member · FDIC · 2 branches

Q2 2026

$72.6MAssets
$45.3MLoans
$66.5MDeposits
$5.9MEquity
Loan mix
86%RE $36.5M9%C&I $4.0M5%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $50.7M24%Noninterest $15.8MQ2 2025Q2 2026

NIM

5.04%Q2 ’245.35%Q2 ’255.76%Q2 ’26+7%+11%

Non-interest income vs. expense

5.59%Q2 ’244.06%Q2 ’254.40%Q2 ’26-28%+6%

Executive Summary

  • Earnings: ROA of 0.55%, up 19 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.03% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.70%, down 48 bps from a year ago.
  • Funding: loans stand at 68.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+46 bps YoY

Efficiency Ratio (YTD, annualized)

84.55%-345 bps YoY

Tier 1 Leverage Ratio

9.70%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.39%0.47%0.51%0.55%+19 bps
Return on Equity4.45%4.84%5.87%6.63%6.98%+253 bps
Net Interest Margin4.29%4.18%4.17%4.57%4.75%+46 bps
Efficiency Ratio88.00%87.25%85.29%85.40%84.55%-345 bps
Non-Interest Burden3.74%3.60%3.50%3.84%3.95%+21 bps
Growth
Asset Growth (YoY)9.58%14.04%32.77%15.18%9.06%-52 bps
Loan Growth (YoY)16.46%15.25%11.24%22.64%27.88%+1,143 bps
Deposit Growth (YoY)9.54%14.60%34.31%14.64%8.74%-80 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.25%0.13%0.04%0.03%-15 bps
Net Charge-Offs / Loans-0.05%0.01%0.07%0.01%0.00%+5 bps
Allowance / Loans1.37%1.38%1.41%1.27%1.25%-12 bps
Allowance Coverage of NPLs7.4x5.6x11.0x31.9x37.7x+30.2x
Capital
Tier 1 Leverage Ratio10.18%9.75%9.68%9.38%9.70%-48 bps
Total Risk-Based Capital10.18%9.75%9.68%9.38%9.70%-48 bps
Equity / Assets7.84%8.03%7.59%7.89%8.06%+22 bps
Liquidity & Funding
Loans / Deposits57.96%56.10%53.10%63.85%68.17%+1,020 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a177.73%184.05%213%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

Apex Banking Company of Georgia

Cleveland, GA · Cert 10074 · Peer group: banks under $1B in assets in GA (n=58-59)

State charter, non-member · FDIC · 2 branches

Q2 2026

$72.6MAssets
$45.3MLoans
$66.5MDeposits
$5.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of banks under $1B in assets in GA (rank 7 of 58).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in GA (rank 58 of 59).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.56%

Rank 52 of 59

Net Interest Margin

4.75%

Rank 15 of 59

Efficiency Ratio

84.55%

Rank 53 of 59

Equity / Assets

8.06%

Rank 53 of 59

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 12% of banks under $1B in assets in GA
Bank 84.55%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.94%1.46%1.76%Beats 12%52 / 59
Return on Equity6.94%7.92%11.60%15.10%Beats 15%50 / 59
Net Interest Margin4.75%3.66%4.24%4.75%Beats 75%15 / 59
Efficiency Ratio84.55%51.87%60.25%70.24%Beats 12%53 / 59
Asset Quality
Nonperforming Loans / Loans0.03%0.10%0.36%0.89%Beats 90%7 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 74%16 / 58
Capital
Tier 1 Capital Ratio9.70%11.93%15.65%21.05%Beats 2%58 / 59
Total Risk-Based Capital Ratio9.70%12.05%15.77%22.26%Beats 2%58 / 59
Equity / Assets8.06%9.10%11.51%14.32%Beats 10%53 / 59
Liquidity & Funding
Loans / Deposits68.17%59.62%72.81%85.44%43rd pctl33 / 58
Loans / Assets62.42%49.55%64.39%73.73%46th pctl32 / 59
Brokered Deposits / Depositsn/aNot reported for this institution