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Letter portraitLegal landscapeQuarterYTD

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