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CCB Community Bank

Andalusia, AL · Cert 16595 · Southern National Corp.

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 operating regionally3

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 operating regionally (n=94). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

87

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

CCB Community Bank

Andalusia, AL · Cert 16595 · Southern National Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$661.9MAssets
$510.3MLoans
$592.5MDeposits
$63.8MEquity
Loan mix
85%RE $429.1M13%C&I $65.4M1%Consumer $7.5MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $412.3M30%Noninterest $180.1MQ2 2025Q2 2026

NIM

5.84%Q2 ’245.95%Q2 ’255.89%Q2 ’26+8%+4%

Non-interest income vs. expense

2.47%Q2 ’242.60%Q2 ’252.70%Q2 ’26+2%+6%

Market Position · Crestview-Fort Walton Beach-Destin, FL · 2026 SOD (annual) · 1.8% share · #15 of 28 inst. · $0.1B of $8.3B

44.2% Covington
2.4% Okaloosa
0.7% Walton

Executive Summary

  • Earnings: ROA of 1.89%, up 13 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.19% of loans (+17 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.53%, up 27 bps from a year ago.
  • Funding: loans stand at 86.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.89%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+17 bps YoY

Efficiency Ratio (YTD, annualized)

52.80%+31 bps YoY

Tier 1 Leverage Ratio

10.53%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.80%1.85%1.65%1.89%+13 bps
Return on Equity20.30%20.37%20.73%17.71%20.10%-20 bps
Net Interest Margin4.30%4.33%4.36%4.39%4.47%+17 bps
Efficiency Ratio52.48%51.83%51.81%57.25%52.80%+31 bps
Non-Interest Burden1.94%1.93%1.95%2.25%2.05%+11 bps
Growth
Asset Growth (YoY)-1.47%-3.25%-0.23%-0.77%-0.48%+100 bps
Loan Growth (YoY)0.20%0.60%1.98%2.28%2.27%+207 bps
Deposit Growth (YoY)0.88%-3.14%-0.15%-1.33%-1.15%-203 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.05%0.27%0.11%0.19%+17 bps
Net Charge-Offs / Loans0.05%0.06%0.10%0.00%0.01%-5 bps
Allowance / Loans1.29%1.31%1.24%1.24%1.25%-5 bps
Allowance Coverage of NPLs63.2x27.8x4.5x11.0x6.5x-56.7x
Capital
Tier 1 Leverage Ratio10.26%10.42%10.18%10.25%10.53%+27 bps
Total Risk-Based Capital10.26%10.42%10.18%10.25%10.53%+27 bps
Equity / Assets8.91%9.30%9.27%9.32%9.64%+74 bps
Liquidity & Funding
Loans / Deposits83.25%82.61%84.50%85.91%86.14%+289 bps
Liquid Assets / Assets11.30%10.97%9.57%9.00%9.21%-209 bps
CRE / Total Capitaln/a288%288%303%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

CCB Community Bank

Andalusia, AL · Cert 16595 · Peer group: banks under $1B in assets operating regionally (n=94) · Southern National Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$661.9MAssets
$510.3MLoans
$592.5MDeposits
$63.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets operating regionally (rank 1 of 94).
  • Widest gap: total risk-based capital ratio trails 71% of banks under $1B in assets operating regionally (rank 67 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.90%

Rank 5 of 94

Net Interest Margin

4.47%

Rank 12 of 94

Efficiency Ratio

52.80%

Rank 13 of 94

Equity / Assets

9.64%

Rank 62 of 94

Non-interest income vs. expense

$4.4M$18.2MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets operating regionally
Bank 52.80%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.90%0.82%1.19%1.46%Beats 95%5 / 94
Return on Equity19.68%7.85%11.84%14.03%Beats 99%1 / 94
Net Interest Margin4.47%3.42%3.81%4.18%Beats 87%12 / 94
Efficiency Ratio52.80%55.99%62.41%73.02%Beats 87%13 / 94
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.47%1.14%Beats 73%26 / 94
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 52%46 / 94
Capital
Tier 1 Capital Ratio10.53%10.28%11.95%15.07%Beats 31%65 / 94
Total Risk-Based Capital Ratio10.53%10.31%12.59%15.88%Beats 29%67 / 94
Equity / Assets9.64%8.98%10.21%11.41%Beats 34%62 / 94
Liquidity & Funding
Loans / Deposits86.14%72.62%84.44%94.55%53rd pctl44 / 94
Loans / Assets77.09%62.50%72.84%78.99%68th pctl30 / 94
Brokered Deposits / Depositsn/aNot reported for this institution