Northeast Georgia Bank

Lavonia, GA · Cert 15771 · First Security Bankshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$650.6MAssets

$338.0MLoans

$562.9MDeposits

$81.1MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 2.14%, up 1 bps year over year; NIM at 4.47%.
Asset quality: problem loans at 0.01% of loans (-15 bps YoY), with net charge-offs at 0.07%.

Return on Assets (quarter, annualized)

2.14%+1 bps YoY

Net Interest Margin (quarter, annualized)

4.47%+8 bps YoY

Efficiency Ratio (quarter, annualized)

42.65%+51 bps YoY

Tier 1 Leverage Ratio

13.41%+65 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	2.13%	2.38%	2.61%	2.10%	2.14%	+1 bps
Return on Equity	18.82%	19.52%	20.19%	16.72%	17.61%	-122 bps
Net Interest Margin	4.38%	4.62%	4.39%	4.26%	4.47%	+8 bps
Efficiency Ratio	42.14%	40.21%	31.39%	42.13%	42.65%	+51 bps
Non-Interest Burden	1.63%	1.57%	1.05%	1.53%	1.64%	+1 bps
Growth
Asset Growth (YoY)	4.48%	4.38%	1.81%	0.46%	2.50%	-197 bps
Loan Growth (YoY)	6.65%	9.92%	5.78%	6.07%	6.23%	-42 bps
Deposit Growth (YoY)	2.62%	2.55%	0.21%	0.34%	1.91%	-71 bps
Asset Quality
Nonperforming Loans / Loans	0.17%	0.03%	0.03%	0.04%	0.01%	-15 bps
Net Charge-Offs / Loans	0.01%	0.04%	0.05%	0.08%	0.07%	+5 bps
Allowance / Loans	1.56%	1.53%	1.56%	1.56%	1.56%	-1 bps
Allowance Coverage of NPLs	9.3x	53.7x	55.5x	43.7x	112.0x	+102.7x
Capital
Tier 1 Leverage Ratio	12.76%	13.65%	14.18%	12.77%	13.41%	+65 bps
Total Risk-Based Capital	12.76%	13.65%	14.18%	12.77%	13.41%	+65 bps
Equity / Assets	11.82%	12.56%	13.31%	11.86%	12.47%	+65 bps
Liquidity & Funding
Loans / Deposits	57.59%	59.40%	58.15%	57.94%	60.04%	+244 bps
Liquid Assets / Assets	12.18%	11.96%	15.99%	13.20%	13.35%	+117 bps
CRE / Total Capital	n/a	166.06%	151.35%	173.39%	n/a	n/a