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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 $2.2MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $50.7M24%Noninterest $15.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.59%, down 2 bps year over year; NIM at 4.84%.
  • Asset quality: problem loans at 0.03% of loans (-15 bps YoY), with net recoveries of 0.01%.
  • 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.

Return on Assets (quarter, annualized)

0.59%-2 bps YoY

Net Interest Margin (quarter, annualized)

4.84%+20 bps YoY

Efficiency Ratio (quarter, annualized)

83.75%+163 bps YoY

Tier 1 Leverage Ratio

9.70%-48 bps YoY

NIM

5.36%Q2 ’245.67%Q2 ’255.84%Q2 ’26+11%+4%

Non-interest income vs. expense

5.58%Q2 ’244.05%Q2 ’254.47%Q2 ’26-27%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.23%0.09%0.61%0.45%0.68%0.51%0.59%-2 bps
Return on Equity0.00%2.68%1.12%7.65%5.63%8.70%6.63%7.36%-29 bps
Net Interest Margin4.17%4.31%4.36%4.64%4.40%4.44%4.57%4.84%+20 bps
Efficiency Ratio101.92%93.59%94.76%82.12%85.90%79.91%85.40%83.75%+163 bps
Non-Interest Burden4.25%3.99%4.11%3.76%3.72%3.47%3.84%3.98%+22 bps
Growth
Asset Growth (YoY)19.65%8.45%6.43%9.58%14.04%32.77%15.18%9.06%-52 bps
Loan Growth (YoY)29.76%27.55%26.29%16.46%15.25%11.24%22.64%27.88%+1,143 bps
Deposit Growth (YoY)19.75%9.66%6.40%9.54%14.60%34.31%14.64%8.74%-80 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.07%0.07%0.18%0.25%0.13%0.04%0.03%-15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.09%0.11%0.25%0.01%-0.01%+8 bps
Allowance / Loans1.32%1.32%1.33%1.37%1.38%1.41%1.27%1.25%-12 bps
Allowance Coverage of NPLs7.2x18.6x19.3x7.4x5.6x11.0x31.9x37.7x+30.2x
Capital
Tier 1 Leverage Ratio10.83%11.34%11.09%10.18%9.75%9.68%9.38%9.70%-48 bps
Total Risk-Based Capital10.83%11.34%11.09%10.18%9.75%9.68%9.38%9.70%-48 bps
Equity / Assets8.60%8.48%8.07%7.84%8.03%7.59%7.89%8.06%+22 bps
Liquidity & Funding
Loans / Deposits55.79%64.11%59.69%57.96%56.10%53.10%63.85%68.17%+1,020 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a177.73%184.05%213%n/an/a