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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 $12.4MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $59.4M21%Noninterest $16.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.52%, up 9 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.68% of loans (+15 bps YoY), with net charge-offs at 0.47%.
  • 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.

Return on Assets (YTD, annualized)

1.52%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+41 bps YoY

Efficiency Ratio (YTD, annualized)

56.34%-569 bps YoY

Tier 1 Leverage Ratio

13.83%+54 bps YoY

NIM

6.35%Q2 ’246.45%Q2 ’256.64%Q2 ’26-1%+10%

Non-interest income vs. expense

2.66%Q2 ’242.79%Q2 ’252.77%Q2 ’26+8%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.32%1.19%1.44%1.43%1.44%1.41%1.52%+9 bps
Return on Equity11.51%11.41%10.32%12.36%12.11%12.01%11.37%12.10%-26 bps
Net Interest Margin4.19%4.06%3.99%4.25%4.25%4.27%4.37%4.66%+41 bps
Efficiency Ratio58.63%59.05%61.59%62.02%61.83%60.69%57.44%56.34%-569 bps
Non-Interest Burden2.33%2.28%2.36%2.54%2.53%2.49%2.40%2.51%-3 bps
Growth
Asset Growth (YoY)-1.30%3.18%4.31%2.59%3.32%1.83%-0.10%-1.99%-458 bps
Loan Growth (YoY)1.50%1.76%-0.74%-4.44%-3.99%-3.43%-1.36%-1.23%+321 bps
Deposit Growth (YoY)-3.33%3.19%3.99%1.81%3.00%0.74%-1.02%-3.08%-490 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.48%0.74%0.53%0.57%1.30%1.15%0.68%+15 bps
Net Charge-Offs / Loans0.15%0.19%0.09%-0.05%-0.03%0.00%0.49%0.47%+52 bps
Allowance / Loans2.22%2.17%2.27%2.24%2.24%2.23%2.21%2.21%-3 bps
Allowance Coverage of NPLs6.0x4.5x3.0x4.2x3.9x1.7x1.9x3.2x-1.0x
Capital
Tier 1 Leverage Ratio13.43%13.33%12.57%13.29%13.53%13.83%12.98%13.83%+54 bps
Total Risk-Based Capital13.43%13.33%12.57%13.29%13.53%13.83%12.98%13.83%+54 bps
Equity / Assets12.04%11.75%11.20%11.94%12.34%12.77%12.07%12.95%+101 bps
Liquidity & Funding
Loans / Deposits82.04%80.51%77.85%77.81%76.47%77.18%77.57%79.30%+149 bps
Liquid Assets / Assets13.61%15.77%18.20%18.35%19.04%19.06%18.29%17.56%-79 bps
CRE / Total Capitaln/an/an/an/a88.90%88.94%87.49%n/an/a