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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