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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