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Four County Bank, The

Allentown, GA · Cert 15904 · Four County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$87.1MAssets
$59.8MLoans
$75.4MDeposits
$11.3MEquity
Loan mix
60%RE $32.8M17%C&I $9.3M23%Consumer $12.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $59.4M21%Noninterest $16.0MQ2 2025Q2 2026

NIM

6.46%Q2 ’246.60%Q2 ’256.78%Q2 ’26+5%+9%

Non-interest income vs. expense

2.78%Q2 ’242.94%Q2 ’252.80%Q2 ’26+8%-4%

Executive Summary

  • Earnings: ROA of 1.64%, down 5 bps year over year; NIM at 4.83%.
  • Asset quality: problem loans at 0.68% of loans (+15 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 13.83%, up 54 bps from a year ago.
  • Funding: loans stand at 79.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.64%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.83%+38 bps YoY

Efficiency Ratio (quarter, annualized)

55.30%-712 bps YoY

Tier 1 Leverage Ratio

13.83%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.43%1.46%1.41%1.64%-5 bps
Return on Equity14.62%11.74%11.66%11.37%13.11%-151 bps
Net Interest Margin4.45%4.38%4.47%4.37%4.83%+38 bps
Efficiency Ratio62.42%61.46%57.46%57.44%55.30%-712 bps
Non-Interest Burden2.68%2.59%2.48%2.40%2.57%-11 bps
Growth
Asset Growth (YoY)2.59%3.32%1.83%-0.10%-1.99%-458 bps
Loan Growth (YoY)-4.44%-3.99%-3.43%-1.36%-1.23%+321 bps
Deposit Growth (YoY)1.81%3.00%0.74%-1.02%-3.08%-490 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.57%1.30%1.15%0.68%+15 bps
Net Charge-Offs / Loans-0.19%0.01%0.08%0.49%0.44%+63 bps
Allowance / Loans2.24%2.24%2.23%2.21%2.21%-3 bps
Allowance Coverage of NPLs4.2x3.9x1.7x1.9x3.2x-1.0x
Capital
Tier 1 Leverage Ratio13.29%13.53%13.83%12.98%13.83%+54 bps
Total Risk-Based Capital13.29%13.53%13.83%12.98%13.83%+54 bps
Equity / Assets11.94%12.34%12.77%12.07%12.95%+101 bps
Liquidity & Funding
Loans / Deposits77.81%76.47%77.18%77.57%79.30%+149 bps
Liquid Assets / Assets18.35%19.04%19.06%18.29%17.56%-79 bps
CRE / Total Capitaln/a88.90%88.94%87.49%n/an/a