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Vallant Bank

Elberton, GA · Cert 14065 · Vallant Financial Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

27

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

Vallant Bank

Elberton, GA · Cert 14065 · Vallant Financial Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

$4.0BAssets
$3.0BLoans
$3.5BDeposits
$488.7MEquity
Loan mix
91%RE $1.6B8%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $2.4B29%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.63%Q2 ’244.89%Q2 ’255.25%Q2 ’26+10%+13%

Non-interest income vs. expense

2.83%Q2 ’243.13%Q2 ’253.61%Q2 ’26+8%+14%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #28 of 81 inst. · $0.6B of $255.1B

34.3% Laurens
70.4% Elbert
12.8% Houston
16.1% Bulloch

Executive Summary

  • Earnings: ROA of 1.33%, up 13 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.51% of loans (+42 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 12.70%, up 339 bps from a year ago.
  • Funding: loans stand at 86.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+50 bps YoY

Efficiency Ratio (YTD, annualized)

68.41%+237 bps YoY

Tier 1 Leverage Ratio

12.70%+339 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.23%1.29%1.18%1.33%+13 bps
Return on Equity13.41%13.53%13.97%12.12%12.22%-119 bps
Net Interest Margin3.80%3.92%3.93%4.07%4.30%+50 bps
Efficiency Ratio66.03%66.14%65.95%68.08%68.41%+237 bps
Non-Interest Burden2.17%2.25%2.23%2.42%2.47%+31 bps
Growth
Asset Growth (YoY)4.68%4.75%3.45%3.74%76.49%+7,181 bps
Loan Growth (YoY)6.09%9.61%8.58%10.77%84.11%+7,802 bps
Deposit Growth (YoY)5.22%5.70%1.91%2.67%70.36%+6,514 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.05%0.17%0.12%0.51%+42 bps
Net Charge-Offs / Loans0.04%0.04%0.05%0.03%0.06%+2 bps
Allowance / Loans1.29%1.25%1.24%1.23%1.28%-1 bps
Allowance Coverage of NPLs15.3x23.0x7.5x10.5x2.5x-12.7x
Capital
Tier 1 Leverage Ratio9.31%9.58%9.69%9.63%12.70%+339 bps
Total Risk-Based Capital12.95%12.77%12.78%12.67%13.27%+31 bps
Equity / Assets9.14%9.64%9.85%9.58%12.26%+312 bps
Liquidity & Funding
Loans / Deposits79.85%83.55%84.19%83.79%86.29%+644 bps
Liquid Assets / Assets4.30%0.89%1.34%2.33%3.97%-33 bps
CRE / Total Capitaln/a411%410%412%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

Vallant Bank

Elberton, GA · Cert 14065 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Vallant Financial Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

$4.0BAssets
$3.0BLoans
$3.5BDeposits
$488.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 30 of 258).
  • Widest gap: return on equity trails 83% of banks $1B-$10B in assets operating in a single state (rank 215 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.96%

Rank 187 of 258

Net Interest Margin

4.30%

Rank 30 of 258

Efficiency Ratio

68.70%

Rank 188 of 257

Equity / Assets

12.26%

Rank 52 of 258

Non-interest income vs. expense

$36.3M$114.8MINCOMEEXPENSE
Unfavorable gap of $78.5M · efficiency ratio beats 27% of banks $1B-$10B in assets operating in a single state
Bank 68.70%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.93%1.23%1.54%Beats 28%187 / 258
Return on Equity7.81%9.26%11.84%14.74%Beats 17%215 / 258
Net Interest Margin4.30%3.16%3.49%3.88%Beats 88%30 / 258
Efficiency Ratio68.70%51.71%60.30%69.65%Beats 27%188 / 257
Asset Quality
Nonperforming Loans / Loans0.51%0.19%0.46%0.90%Beats 44%145 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 41%154 / 258
Capital
Tier 1 Capital Ratio12.04%11.41%12.98%15.12%Beats 34%169 / 258
Total Risk-Based Capital Ratio13.27%12.10%13.91%16.08%Beats 41%152 / 258
Equity / Assets12.26%9.09%10.24%11.72%Beats 80%52 / 258
Liquidity & Funding
Loans / Deposits86.29%73.24%86.34%95.95%50th pctl130 / 258
Loans / Assets74.90%63.01%72.27%78.40%59th pctl107 / 258
Brokered Deposits / Depositsn/aNot reported for this institution