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Banksouth

Greensboro, GA · Cert 16418 · Banksouth Holding Co.

State savings bank · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

25

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

Banksouth

Greensboro, GA · Cert 16418 · Banksouth Holding Co.

State savings bank · OCC · 10 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.2MEquity
Loan mix
94%RE $1.1B5%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $980.2M28%Noninterest $382.6MQ2 2025Q2 2026

NIM

5.86%Q2 ’245.89%Q2 ’255.84%Q2 ’26+5%+8%

Non-interest income vs. expense

5.35%Q2 ’244.97%Q2 ’254.60%Q2 ’26+4%+13%

Market Position · Savannah, GA · 2026 SOD (annual) · 2.3% share · #10 of 24 inst. · $0.2B of $9.5B

60.3% Greene
2.8% Chatham
0.1% Fulton
7.6% Oconee

Executive Summary

  • Earnings: ROA of 1.57%, up 2 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.55% of loans (+46 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.17%, down 72 bps from a year ago.
  • Funding: loans stand at 91.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+31 bps YoY

Efficiency Ratio (YTD, annualized)

69.66%-183 bps YoY

Tier 1 Leverage Ratio

10.17%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.49%1.50%1.48%1.57%+2 bps
Return on Equity14.75%13.87%14.21%14.92%15.64%+88 bps
Net Interest Margin4.05%4.13%3.67%4.40%4.36%+31 bps
Efficiency Ratio71.49%72.71%73.13%70.30%69.66%-183 bps
Non-Interest Burden2.07%2.28%2.08%2.47%2.35%+27 bps
Growth
Asset Growth (YoY)0.58%-1.23%17.00%18.78%18.70%+1,812 bps
Loan Growth (YoY)-3.26%-0.79%12.44%9.43%16.24%+1,950 bps
Deposit Growth (YoY)-0.27%-2.24%18.21%20.45%20.09%+2,035 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.25%0.52%0.55%0.55%+46 bps
Net Charge-Offs / Loans0.01%0.01%0.00%-0.02%-0.01%-3 bps
Allowance / Loans1.24%1.23%1.43%1.47%1.41%+17 bps
Allowance Coverage of NPLs13.5x4.9x2.7x2.7x2.5x-10.9x
Capital
Tier 1 Leverage Ratio10.89%11.21%9.39%9.93%10.17%-72 bps
Total Risk-Based Capital15.97%16.08%14.26%14.79%15.32%-64 bps
Equity / Assets10.91%11.22%9.97%9.82%10.39%-52 bps
Liquidity & Funding
Loans / Deposits94.03%95.91%90.99%84.74%91.01%-301 bps
Liquid Assets / Assets13.00%10.71%10.24%15.49%10.23%-277 bps
CRE / Total Capitaln/a328%355%322%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

Banksouth

Greensboro, GA · Cert 16418 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Banksouth Holding Co.

State savings bank · OCC · 10 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 23 of 258).
  • Widest gap: efficiency ratio trails 75% of banks $1B-$10B in assets operating in a single state (rank 194 of 257).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.57%

Rank 62 of 258

Net Interest Margin

4.36%

Rank 23 of 258

Efficiency Ratio

69.66%

Rank 194 of 257

Equity / Assets

10.39%

Rank 124 of 258

Non-interest income vs. expense

$35.9M$73.3MINCOMEEXPENSE
Unfavorable gap of $37.4M · efficiency ratio beats 25% of banks $1B-$10B in assets operating in a single state
Bank 69.66%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.57%0.93%1.23%1.54%Beats 76%62 / 258
Return on Equity15.11%9.26%11.84%14.74%Beats 77%60 / 258
Net Interest Margin4.36%3.16%3.49%3.88%Beats 91%23 / 258
Efficiency Ratio69.66%51.71%60.30%69.65%Beats 25%194 / 257
Asset Quality
Nonperforming Loans / Loans0.55%0.19%0.46%0.90%Beats 39%159 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 78%60 / 258
Capital
Tier 1 Capital Ratio14.07%11.41%12.98%15.12%Beats 65%90 / 258
Total Risk-Based Capital Ratio15.32%12.10%13.91%16.08%Beats 69%79 / 258
Equity / Assets10.39%9.09%10.24%11.72%Beats 52%124 / 258
Liquidity & Funding
Loans / Deposits91.01%73.24%86.34%95.95%63rd pctl95 / 258
Loans / Assets78.03%63.01%72.27%78.40%72nd pctl73 / 258
Brokered Deposits / Depositsn/aNot reported for this institution