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Claxton Bank, The

Bellville, GA · Cert 15826 · Southern Bankshares Inc.

State charter, non-member · FDIC · 4 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 regionally3

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 regionally (n=94). 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

43

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

16

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

Claxton Bank, The

Bellville, GA · Cert 15826 · Southern Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$304.8MAssets
$215.4MLoans
$249.1MDeposits
$35.6MEquity
Loan mix
88%RE $188.1M10%C&I $21.1M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $212.7M15%Noninterest $36.4MQ2 2025Q2 2026

NIM

5.49%Q2 ’246.02%Q2 ’255.69%Q2 ’26+9%-12%

Non-interest income vs. expense

3.56%Q2 ’243.82%Q2 ’253.49%Q2 ’26+12%-8%

Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.1% share · #27 of 36 inst. · $0.1B of $120.9B

50.9% Evans
0.1% Duval
3.0% Bryan

Executive Summary

  • Earnings: ROA of 0.34%, down 20 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 2.51% of loans (+193 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.60%, down 305 bps from a year ago.
  • Funding: loans stand at 86.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-51 bps YoY

Efficiency Ratio (YTD, annualized)

84.56%+315 bps YoY

Tier 1 Leverage Ratio

12.60%-305 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.47%0.43%0.13%0.34%-20 bps
Return on Equity3.66%3.31%3.03%1.06%2.75%-91 bps
Net Interest Margin4.26%4.10%3.91%3.93%3.75%-51 bps
Efficiency Ratio81.41%81.41%82.82%85.93%84.56%+315 bps
Non-Interest Burden3.39%3.26%3.17%3.33%3.12%-27 bps
Growth
Asset Growth (YoY)24.96%31.62%19.05%29.72%28.13%+317 bps
Loan Growth (YoY)55.22%51.12%43.53%55.14%37.42%-1,780 bps
Deposit Growth (YoY)28.99%37.69%21.41%30.67%23.29%-570 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.54%0.47%0.39%2.51%+193 bps
Net Charge-Offs / Loans0.06%0.06%0.05%0.00%0.00%-6 bps
Allowance / Loans1.59%1.60%1.55%1.44%1.43%-16 bps
Allowance Coverage of NPLs2.7x3.0x3.3x3.6x0.6x-2.2x
Capital
Tier 1 Leverage Ratio15.65%15.04%14.15%13.41%12.60%-305 bps
Total Risk-Based Capital21.49%20.93%18.21%16.95%16.65%-485 bps
Equity / Assets14.35%13.40%13.30%11.94%11.68%-267 bps
Liquidity & Funding
Loans / Deposits77.55%73.54%76.34%84.75%86.44%+889 bps
Liquid Assets / Assets6.21%5.21%9.14%9.17%9.04%+283 bps
CRE / Total Capitaln/a318%326%405%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

Claxton Bank, The

Bellville, GA · Cert 15826 · Peer group: banks under $1B in assets operating regionally (n=94) · Southern Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$304.8MAssets
$215.4MLoans
$249.1MDeposits
$35.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks under $1B in assets operating regionally (rank 18 of 94).
  • Widest gap: return on equity trails 95% of banks under $1B in assets operating regionally (rank 89 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.32%

Rank 86 of 94

Net Interest Margin

3.75%

Rank 49 of 94

Efficiency Ratio

84.56%

Rank 80 of 94

Equity / Assets

11.68%

Rank 18 of 94

Non-interest income vs. expense

$1.1M$10.3MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 16% of banks under $1B in assets operating regionally
Bank 84.56%Peer median 62.4%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.32%0.82%1.19%1.46%Beats 9%86 / 94
Return on Equity2.73%7.85%11.84%14.03%Beats 5%89 / 94
Net Interest Margin3.75%3.42%3.81%4.18%Beats 48%49 / 94
Efficiency Ratio84.56%55.99%62.41%73.02%Beats 16%80 / 94
Asset Quality
Nonperforming Loans / Loans2.51%0.19%0.47%1.14%Beats 9%87 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 77%24 / 94
Capital
Tier 1 Capital Ratio15.39%10.28%11.95%15.07%Beats 78%21 / 94
Total Risk-Based Capital Ratio16.65%10.31%12.59%15.88%Beats 79%20 / 94
Equity / Assets11.68%8.98%10.21%11.41%Beats 81%18 / 94
Liquidity & Funding
Loans / Deposits86.44%72.62%84.44%94.55%55th pctl42 / 94
Loans / Assets70.66%62.50%72.84%78.99%44th pctl53 / 94
Brokered Deposits / Depositsn/aNot reported for this institution