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Letter portraitLegal landscapeQuarterYTD

Wheeler County State Bank

Alamo, GA · Cert 16228

FDIC · 4 branches

Q4 2025

$170.0MAssets
$97.0MLoans
$146.1MDeposits
$22.8MEquity
Loan mix
86%RE $82.5M9%C&I $9.0M5%Consumer $4.7MQ1 2024Q4 2025
Deposit mix
71%Interest-bearing $103.7M29%Noninterest $42.5MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of 0.79%, down 128 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 0.20% of loans (+5 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 13.91%, up 72 bps from a year ago.
  • Funding: loans stand at 66.36% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.79%-128 bps YoY

Net Interest Margin (YTD, annualized)

5.02%+62 bps YoY

Efficiency Ratio (YTD, annualized)

79.13%+3,182 bps YoY

Tier 1 Leverage Ratio

13.91%+72 bps YoY

NIM

5.41%Q4 ’235.83%Q4 ’246.40%Q4 ’25-7%+14%

Non-interest income vs. expense

2.52%Q4 ’232.16%Q4 ’244.12%Q4 ’25-13%+97%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.77%2.21%2.14%2.07%1.87%2.06%1.63%0.79%-128 bps
Return on Equity11.57%15.63%15.39%15.16%14.24%15.04%11.53%5.66%-950 bps
Net Interest Margin4.77%4.23%4.42%4.40%4.53%4.76%4.99%5.02%+62 bps
Efficiency Ratio54.54%46.27%46.77%47.32%48.38%45.96%57.65%79.13%+3,182 bps
Non-Interest Burden2.51%1.87%1.98%2.00%2.11%2.10%2.81%3.94%+194 bps
Growth
Asset Growth (YoY)6.33%30.34%25.27%38.05%21.75%-8.87%-6.09%-7.41%-4,546 bps
Loan Growth (YoY)7.63%8.03%7.31%4.98%7.75%11.42%8.56%3.81%-116 bps
Deposit Growth (YoY)5.91%33.94%28.02%44.32%23.41%-11.36%-8.19%-7.72%-5,204 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.19%0.15%0.14%0.07%0.06%0.11%0.20%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.09%0.10%0.09%+10 bps
Allowance / Loans1.67%1.60%1.57%1.58%1.55%1.40%1.42%1.48%-10 bps
Allowance Coverage of NPLs6.6x8.5x10.7x11.1x22.3x22.7x13.6x7.5x-3.5x
Capital
Tier 1 Leverage Ratio15.29%12.25%13.02%13.19%13.52%14.25%15.10%13.91%+72 bps
Total Risk-Based Capital15.29%12.25%13.02%13.19%13.52%14.25%15.10%13.91%+72 bps
Equity / Assets14.35%12.34%13.28%12.89%13.39%14.98%15.48%13.44%+54 bps
Liquidity & Funding
Loans / Deposits69.58%57.93%62.84%58.99%60.76%72.82%74.31%66.36%+737 bps
Liquid Assets / Assets28.83%44.05%41.75%42.13%44.77%35.93%34.84%35.81%-632 bps
CRE / Total Capitaln/an/an/an/an/an/a229%238%n/a