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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
88%RE $277.3M9%C&I $27.1M4%Consumer $12.0MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $426.1M24%Noninterest $136.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.12%, up 4 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.01% of loans (-15 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 13.41%, up 65 bps from a year ago.
  • Funding: loans stand at 60.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.12%+4 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+7 bps YoY

Efficiency Ratio (YTD, annualized)

42.39%-42 bps YoY

Tier 1 Leverage Ratio

13.41%+65 bps YoY

NIM

5.22%Q2 ’245.32%Q2 ’255.24%Q2 ’26-1%+2%

Non-interest income vs. expense

2.14%Q2 ’242.01%Q2 ’252.04%Q2 ’26-5%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.02%2.05%2.03%2.08%2.18%2.29%2.10%2.12%+4 bps
Return on Equity19.08%19.06%18.18%18.32%18.66%19.09%16.72%16.91%-141 bps
Net Interest Margin4.34%4.12%4.21%4.29%4.44%4.36%4.26%4.36%+7 bps
Efficiency Ratio44.46%42.99%43.51%42.81%41.90%39.23%42.13%42.39%-42 bps
Non-Interest Burden1.68%1.53%1.59%1.61%1.61%1.45%1.53%1.59%-3 bps
Growth
Asset Growth (YoY)4.38%-0.12%6.04%4.48%4.38%1.81%0.46%2.50%-197 bps
Loan Growth (YoY)4.63%4.67%5.88%6.65%9.92%5.78%6.07%6.23%-42 bps
Deposit Growth (YoY)1.78%-2.23%4.23%2.62%2.55%0.21%0.34%1.91%-71 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.16%0.16%0.17%0.03%0.03%0.04%0.01%-15 bps
Net Charge-Offs / Loans0.02%0.02%0.00%0.01%0.02%0.03%0.08%0.07%+6 bps
Allowance / Loans1.52%1.56%1.57%1.56%1.53%1.56%1.56%1.56%-1 bps
Allowance Coverage of NPLs9.2x9.7x9.5x9.3x53.7x55.5x43.7x112.0x+102.7x
Capital
Tier 1 Leverage Ratio12.99%12.89%12.15%12.76%13.65%14.18%12.77%13.41%+65 bps
Total Risk-Based Capital12.99%12.89%12.15%12.76%13.65%14.18%12.77%13.41%+65 bps
Equity / Assets11.70%11.48%10.83%11.82%12.56%13.31%11.86%12.47%+65 bps
Liquidity & Funding
Loans / Deposits55.41%55.08%54.81%57.59%59.40%58.15%57.94%60.04%+244 bps
Liquid Assets / Assets13.56%17.85%16.06%12.18%11.96%15.99%13.20%13.35%+117 bps
CRE / Total Capitaln/an/an/an/a166.06%151.35%173.39%n/an/a