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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

5.99%Q2 ’245.97%Q2 ’255.93%Q2 ’26+10%+3%

Non-interest income vs. expense

2.49%Q2 ’242.64%Q2 ’252.53%Q2 ’26+1%-3%

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 2.13%, up 28 bps year over year; NIM at 4.54%.
  • 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 (quarter, annualized)

2.13%+28 bps YoY

Net Interest Margin (quarter, annualized)

4.54%+14 bps YoY

Efficiency Ratio (quarter, annualized)

48.52%-302 bps YoY

Tier 1 Leverage Ratio

10.53%+27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.88%1.97%1.65%2.13%+28 bps
Return on Equity21.11%20.68%21.17%17.71%22.51%+141 bps
Net Interest Margin4.40%4.43%4.51%4.39%4.54%+14 bps
Efficiency Ratio51.54%50.57%51.76%57.25%48.52%-302 bps
Non-Interest Burden1.92%1.92%2.02%2.25%1.86%-7 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 / Loans0.01%0.07%0.24%0.00%0.01%0 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