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Bank of Camilla

Camilla, GA · Cert 17190 · Camilla Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

69

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

Bank of Camilla

Camilla, GA · Cert 17190 · Camilla Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$188.1MAssets
$128.5MLoans
$147.6MDeposits
$39.7MEquity
Loan mix
92%RE $100.9M7%C&I $7.2M2%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $92.5M37%Noninterest $55.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.54%, up 45 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.37% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.79%, down 103 bps from a year ago.
  • Funding: loans stand at 87.03% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.54%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-13 bps YoY

Efficiency Ratio (YTD, annualized)

55.74%-606 bps YoY

Tier 1 Leverage Ratio

20.79%-103 bps YoY

NIM

5.39%Q2 ’245.83%Q2 ’255.60%Q2 ’26+15%-4%

Non-interest income vs. expense

2.15%Q2 ’242.38%Q2 ’252.33%Q2 ’26+12%-24%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.08%1.10%1.09%1.08%1.05%1.69%1.54%+45 bps
Return on Equity4.64%5.12%5.24%5.19%5.09%5.00%8.38%7.52%+233 bps
Net Interest Margin3.38%3.22%3.41%3.59%3.52%3.32%3.24%3.46%-13 bps
Efficiency Ratio63.18%62.40%61.23%61.81%61.92%63.60%54.54%55.74%-606 bps
Non-Interest Burden2.04%1.85%1.98%2.12%2.08%2.03%1.30%1.61%-51 bps
Growth
Asset Growth (YoY)8.57%11.50%-6.97%2.74%4.56%2.74%13.21%3.28%+53 bps
Loan Growth (YoY)14.10%3.53%3.67%11.34%6.98%6.22%7.85%4.90%-644 bps
Deposit Growth (YoY)13.38%17.38%-7.22%2.06%4.61%2.61%16.28%3.94%+187 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.48%0.45%0.42%0.43%0.41%0.38%0.37%-4 bps
Net Charge-Offs / Loans-0.14%-0.11%0.02%0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.14%1.18%1.19%1.09%1.10%1.12%1.10%1.04%-5 bps
Allowance Coverage of NPLs2.3x2.4x2.6x2.6x2.6x2.7x2.9x2.8x+0.2x
Capital
Tier 1 Leverage Ratio22.30%21.84%20.43%21.82%21.96%21.45%19.97%20.79%-103 bps
Total Risk-Based Capital22.30%21.84%20.43%21.82%21.96%21.45%19.97%20.79%-103 bps
Equity / Assets22.33%20.18%22.07%21.05%21.79%20.30%20.08%21.08%+3 bps
Liquidity & Funding
Loans / Deposits85.04%73.99%84.35%86.23%86.97%76.60%78.24%87.03%+80 bps
Liquid Assets / Assets1.80%10.12%1.04%0.87%1.63%10.69%7.89%1.64%+77 bps
CRE / Total Capitaln/an/an/an/a117.85%113.15%117.53%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

Bank of Camilla

Camilla, GA · Cert 17190 · Peer group: banks under $1B in assets in GA (n=58-59) · Camilla Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$188.1MAssets
$128.5MLoans
$147.6MDeposits
$39.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets in GA (rank 47 of 59).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.58%

Rank 21 of 59

Net Interest Margin

3.46%

Rank 47 of 59

Efficiency Ratio

55.74%

Rank 19 of 59

Equity / Assets

21.08%

Rank 4 of 59

Non-interest income vs. expense

$1.4M$4.5MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 69% of banks under $1B in assets in GA
Bank 55.74%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.58%0.94%1.46%1.76%Beats 64%21 / 59
Return on Equity7.49%7.92%11.60%15.10%Beats 20%47 / 59
Net Interest Margin3.46%3.66%4.24%4.75%Beats 20%47 / 59
Efficiency Ratio55.74%51.87%60.25%70.24%Beats 69%19 / 59
Asset Quality
Nonperforming Loans / Loans0.37%0.10%0.36%0.89%Beats 48%31 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%10 / 58
Capital
Tier 1 Capital Ratio20.79%11.93%15.65%21.05%Beats 71%17 / 59
Total Risk-Based Capital Ratio20.79%12.05%15.77%22.26%Beats 69%18 / 59
Equity / Assets21.08%9.10%11.51%14.32%Beats 93%4 / 59
Liquidity & Funding
Loans / Deposits87.03%59.62%72.81%85.44%79th pctl12 / 58
Loans / Assets68.29%49.55%64.39%73.73%63rd pctl22 / 59
Brokered Deposits / Depositsn/aNot reported for this institution