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Great Oaks Bank

Richmond Hill, GA · Cert 16780 · Great Oaks Finl Holdings Inc.

State charter, non-member · FDIC · 6 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

31

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

Great Oaks Bank

Richmond Hill, GA · Cert 16780 · Great Oaks Finl Holdings Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$422.0MAssets
$278.3MLoans
$374.4MDeposits
$41.0MEquity
Loan mix
87%RE $249.4M9%C&I $25.4M4%Consumer $11.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $285.6M24%Noninterest $88.8MQ2 2025Q2 2026

NIM

6.06%Q2 ’246.07%Q2 ’255.76%Q2 ’26+6%-5%

Non-interest income vs. expense

2.97%Q2 ’243.09%Q2 ’253.20%Q2 ’26+1%+8%

Market Position · Savannah, GA · 2026 SOD (annual) · 1.9% share · #14 of 24 inst. · $0.2B of $9.5B

49.1% Dodge
13.4% Bryan
1.0% Chatham
9.6% Bleckley

Executive Summary

  • Earnings: ROA of 1.12%, down 17 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.10% of loans (+6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.25%, up 80 bps from a year ago.
  • Funding: loans stand at 74.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-20 bps YoY

Efficiency Ratio (YTD, annualized)

68.60%+612 bps YoY

Tier 1 Leverage Ratio

10.25%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.26%1.26%1.07%1.12%-17 bps
Return on Equity15.95%15.65%14.89%11.16%11.57%-439 bps
Net Interest Margin4.42%4.37%4.35%4.34%4.22%-20 bps
Efficiency Ratio62.48%63.45%64.50%68.63%68.60%+612 bps
Non-Interest Burden2.56%2.60%2.65%2.84%2.76%+19 bps
Growth
Asset Growth (YoY)3.59%7.14%6.43%11.17%6.66%+308 bps
Loan Growth (YoY)8.78%5.77%10.23%5.21%3.42%-536 bps
Deposit Growth (YoY)3.01%6.29%3.83%9.60%4.57%+155 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.00%0.01%0.03%0.10%+6 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.05%-0.01%-1 bps
Allowance / Loans1.62%1.69%1.54%1.49%1.46%-16 bps
Allowance Coverage of NPLs40.3x557.8x304.1x54.6x14.0x-26.3x
Capital
Tier 1 Leverage Ratio9.45%9.37%10.61%10.38%10.25%+80 bps
Total Risk-Based Capital14.53%14.02%15.50%14.66%15.03%+50 bps
Equity / Assets8.07%8.20%10.04%9.23%9.71%+164 bps
Liquidity & Funding
Loans / Deposits75.15%71.77%77.93%75.78%74.33%-83 bps
Liquid Assets / Assets9.36%7.91%3.49%4.85%7.30%-206 bps
CRE / Total Capitaln/a418%387%385%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

Great Oaks Bank

Richmond Hill, GA · Cert 16780 · Peer group: banks under $1B in assets in GA (n=58-59) · Great Oaks Finl Holdings Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$422.0MAssets
$278.3MLoans
$374.4MDeposits
$41.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets in GA (rank 17 of 58).
  • Widest gap: return on assets trails 71% of banks under $1B in assets in GA (rank 42 of 59).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.10%

Rank 42 of 59

Net Interest Margin

4.22%

Rank 32 of 59

Efficiency Ratio

68.60%

Rank 42 of 59

Equity / Assets

9.71%

Rank 41 of 59

Non-interest income vs. expense

$1.9M$13.5MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 31% of banks under $1B in assets in GA
Bank 68.60%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.94%1.46%1.76%Beats 29%42 / 59
Return on Equity11.31%7.92%11.60%15.10%Beats 44%33 / 59
Net Interest Margin4.22%3.66%4.24%4.75%Beats 46%32 / 59
Efficiency Ratio68.60%51.87%60.25%70.24%Beats 31%42 / 59
Asset Quality
Nonperforming Loans / Loans0.10%0.10%0.36%0.89%Beats 72%17 / 58
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 53%28 / 58
Capital
Tier 1 Capital Ratio13.78%11.93%15.65%21.05%Beats 37%37 / 59
Total Risk-Based Capital Ratio15.03%12.05%15.77%22.26%Beats 41%35 / 59
Equity / Assets9.71%9.10%11.51%14.32%Beats 31%41 / 59
Liquidity & Funding
Loans / Deposits74.33%59.62%72.81%85.44%52nd pctl28 / 58
Loans / Assets65.94%49.55%64.39%73.73%54th pctl27 / 59
Brokered Deposits / Depositsn/aNot reported for this institution