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Exchange Bank

Milledgeville, GA · Cert 160 · Exchange Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

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 in GA (n=58 to 59). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

61

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

Exchange Bank

Milledgeville, GA · Cert 160 · Exchange Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$410.3MAssets
$306.6MLoans
$358.9MDeposits
$39.2MEquity
Loan mix
98%RE $283.5M2%C&I $5.5M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $258.2M28%Noninterest $100.7MQ2 2025Q2 2026

NIM

4.65%Q2 ’245.19%Q2 ’255.97%Q2 ’26+11%+22%

Non-interest income vs. expense

2.57%Q2 ’242.65%Q2 ’252.98%Q2 ’26+6%+16%

Market Position · Macon-Bibb County, GA · 2026 SOD (annual) · 1.0% share · #14 of 20 inst. · $0.1B of $5.6B

30.4% Baldwin
13.9% Jones
3.3% Greene
0.3% Jackson

Executive Summary

  • Earnings: ROA of -0.70%, down 200 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.03% of loans (-24 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.93%, down 45 bps from a year ago.
  • Funding: loans stand at 85.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.70%-200 bps YoY

Net Interest Margin (YTD, annualized)

4.70%+85 bps YoY

Efficiency Ratio (YTD, annualized)

58.09%-338 bps YoY

Tier 1 Leverage Ratio

11.93%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.36%1.22%-3.28%-0.70%-200 bps
Return on Equity12.11%12.63%11.31%-32.69%-7.12%-1,923 bps
Net Interest Margin3.85%3.89%3.87%4.14%4.70%+85 bps
Efficiency Ratio61.47%60.08%60.88%59.09%58.09%-338 bps
Non-Interest Burden2.19%2.15%2.17%2.27%2.55%+36 bps
Growth
Asset Growth (YoY)6.35%7.02%7.62%2.04%0.21%-613 bps
Loan Growth (YoY)11.65%14.13%14.08%19.16%22.03%+1,038 bps
Deposit Growth (YoY)7.49%6.79%5.43%10.57%4.75%-274 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.84%0.22%0.10%0.03%-24 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.02%+2 bps
Allowance / Loans1.42%1.37%1.64%1.54%1.46%+5 bps
Allowance Coverage of NPLs5.2x1.6x7.6x14.7x46.8x+41.6x
Capital
Tier 1 Leverage Ratio12.38%12.50%12.33%11.02%11.93%-45 bps
Total Risk-Based Capital12.38%12.50%12.33%11.02%11.93%-45 bps
Equity / Assets10.84%11.07%10.93%9.15%9.56%-128 bps
Liquidity & Funding
Loans / Deposits73.35%76.06%78.59%79.79%85.44%+1,210 bps
Liquid Assets / Assets34.80%33.45%31.60%4.70%3.31%-3,149 bps
CRE / Total Capitaln/a294%303%400%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

Exchange Bank

Milledgeville, GA · Cert 160 · Peer group: banks under $1B in assets in GA (n=58-59) · Exchange Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$410.3MAssets
$306.6MLoans
$358.9MDeposits
$39.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 91% of banks under $1B in assets in GA (rank 6 of 58).
  • Widest gap: return on equity trails 98% of banks under $1B in assets in GA (rank 58 of 59).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.71%

Rank 57 of 59

Net Interest Margin

4.70%

Rank 17 of 59

Efficiency Ratio

58.09%

Rank 24 of 59

Equity / Assets

9.56%

Rank 42 of 59

Non-interest income vs. expense

$1.8M$12.5MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 61% of banks under $1B in assets in GA
Bank 58.09%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.71%0.94%1.46%1.76%Beats 3%57 / 59
Return on Equity-7.47%7.92%11.60%15.10%Beats 2%58 / 59
Net Interest Margin4.70%3.66%4.24%4.75%Beats 71%17 / 59
Efficiency Ratio58.09%51.87%60.25%70.24%Beats 61%24 / 59
Asset Quality
Nonperforming Loans / Loans0.03%0.10%0.36%0.89%Beats 91%6 / 58
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 59%25 / 58
Capital
Tier 1 Capital Ratio11.93%11.93%15.65%21.05%Beats 24%45 / 59
Total Risk-Based Capital Ratio11.93%12.05%15.77%22.26%Beats 22%46 / 59
Equity / Assets9.56%9.10%11.51%14.32%Beats 29%42 / 59
Liquidity & Funding
Loans / Deposits85.44%59.62%72.81%85.44%74th pctl15 / 58
Loans / Assets74.73%49.55%64.39%73.73%78th pctl13 / 59
Brokered Deposits / Depositsn/aNot reported for this institution