PackageTrendsPeer
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Bank of Charlotte County, The

Phenix, VA · Cert 14491 · BCC Bankshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

94

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

Bank of Charlotte County, The

Phenix, VA · Cert 14491 · BCC Bankshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$222.8MAssets
$140.4MLoans
$194.5MDeposits
$27.2MEquity
Loan mix
92%RE $129.1M5%C&I $7.5M2%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $138.4M29%Noninterest $56.1MQ2 2025Q2 2026

NIM

5.03%Q2 ’245.31%Q2 ’255.16%Q2 ’26+2%+1%

Non-interest income vs. expense

2.96%Q2 ’243.05%Q2 ’253.34%Q2 ’26+2%-93%

Market Position · Lynchburg, VA · 2026 SOD (annual) · 0.8% share · #14 of 17 inst. · $0.1B of $6.2B

70.7% Charlotte
4.4% Campbell
0.7% Mecklenburg

Executive Summary

  • Earnings: ROA of 3.44%, up 214 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.33% of loans (-16 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 12.79%, up 71 bps from a year ago.
  • Funding: loans stand at 72.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.44%+214 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+5 bps YoY

Efficiency Ratio (YTD, annualized)

44.61%-1,999 bps YoY

Tier 1 Leverage Ratio

12.79%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.27%1.24%1.42%3.44%+214 bps
Return on Equity12.11%11.79%11.66%13.55%31.08%+1,897 bps
Net Interest Margin4.28%4.17%4.03%4.20%4.33%+5 bps
Efficiency Ratio64.60%64.59%64.19%64.69%44.61%-1,999 bps
Non-Interest Burden2.61%2.54%2.44%2.51%0.19%-243 bps
Growth
Asset Growth (YoY)6.77%7.74%12.21%7.76%7.30%+53 bps
Loan Growth (YoY)0.37%-2.23%-6.45%-6.89%-6.23%-660 bps
Deposit Growth (YoY)8.44%10.72%15.52%10.81%8.71%+27 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.81%1.16%0.97%0.33%-16 bps
Net Charge-Offs / Loans0.11%0.07%0.06%0.01%0.13%+2 bps
Allowance / Loans0.91%0.97%1.09%1.11%1.26%+35 bps
Allowance Coverage of NPLs1.9x1.2x0.9x1.1x3.8x+1.9x
Capital
Tier 1 Leverage Ratio12.08%11.85%10.99%11.33%12.79%+71 bps
Total Risk-Based Capital18.12%18.46%17.97%18.59%21.25%+313 bps
Equity / Assets11.00%11.12%10.28%10.68%12.23%+123 bps
Liquidity & Funding
Loans / Deposits83.70%78.15%70.33%70.70%72.20%-1,150 bps
Liquid Assets / Assets9.43%11.54%16.19%15.90%13.00%+356 bps
CRE / Total Capitaln/a129.99%124.61%128.82%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

Bank of Charlotte County, The

Phenix, VA · Cert 14491 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · BCC Bankshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$222.8MAssets
$140.4MLoans
$194.5MDeposits
$27.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets operating in a single state (rank 9 of 746).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating in a single state (rank 598 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

3.47%

Rank 9 of 746

Net Interest Margin

4.33%

Rank 135 of 746

Efficiency Ratio

44.61%

Rank 47 of 746

Equity / Assets

12.23%

Rank 226 of 746

Non-interest income vs. expense

$7.2M$7.6MINCOMEEXPENSE
Unfavorable gap of $0.4M · efficiency ratio beats 94% of banks under $1B in assets operating in a single state
Bank 44.61%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.47%0.72%1.06%1.45%Beats 99%9 / 746
Return on Equity28.38%6.74%10.51%13.63%Beats 99%8 / 746
Net Interest Margin4.33%3.17%3.68%4.16%Beats 82%135 / 746
Efficiency Ratio44.61%55.74%64.58%75.47%Beats 94%47 / 746
Asset Quality
Nonperforming Loans / Loans0.33%0.09%0.42%1.07%Beats 57%320 / 743
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 20%598 / 743
Capital
Tier 1 Capital Ratio20.00%11.55%13.75%17.60%Beats 83%128 / 746
Total Risk-Based Capital Ratio21.25%11.71%14.33%18.43%Beats 84%123 / 746
Equity / Assets12.23%8.90%10.51%13.06%Beats 70%226 / 746
Liquidity & Funding
Loans / Deposits72.20%61.31%78.27%90.78%39th pctl456 / 746
Loans / Assets63.03%53.60%66.97%76.08%41st pctl439 / 746
Brokered Deposits / Depositsn/aNot reported for this institution