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Queensborough National Bank & Trust Company

Louisville, GA · Cert 2138 · Queensborough Co. the

National charter · OCC · 25 branches

Q2 2026

$2.3BAssets
$1.4BLoans
$2.1BDeposits
$179.6MEquity
Loan mix
89%RE $1.2B8%C&I $0.1B3%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $1.4B32%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 10.3% share · #3 of 25 inst. · $1.3B of $12.9B

16.2% Richmond
9.9% Columbia
46.2% Jefferson
39.6% Burke

Executive Summary

  • Earnings: ROA of 1.09%, up 8 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.59% of loans (-12 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.64%, down 88 bps from a year ago.
  • Funding: loans stand at 68.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+18 bps YoY

Efficiency Ratio (YTD, annualized)

65.12%-2 bps YoY

Tier 1 Leverage Ratio

8.64%-88 bps YoY

NIM

4.79%Q2 ’244.89%Q2 ’254.94%Q2 ’26+13%+5%

Non-interest income vs. expense

2.70%Q2 ’242.71%Q2 ’252.88%Q2 ’26+4%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.84%0.99%1.01%1.06%1.05%1.06%1.09%+8 bps
Return on Equity10.54%11.01%12.75%12.67%12.92%12.86%13.24%13.71%+104 bps
Net Interest Margin3.05%3.03%3.24%3.41%3.45%3.43%3.59%3.59%+18 bps
Efficiency Ratio70.82%69.78%65.10%65.15%64.32%64.98%65.81%65.12%-2 bps
Non-Interest Burden1.94%1.90%1.84%1.97%1.93%1.96%2.09%2.06%+9 bps
Growth
Asset Growth (YoY)5.84%3.47%2.89%5.33%6.90%3.17%7.67%5.68%+35 bps
Loan Growth (YoY)3.50%2.61%4.73%9.31%8.52%9.94%11.83%10.36%+104 bps
Deposit Growth (YoY)5.16%5.89%4.94%6.10%4.69%1.06%6.50%6.24%+14 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.92%0.89%0.71%0.42%0.58%0.44%0.59%-12 bps
Net Charge-Offs / Loans0.02%0.03%0.05%0.12%0.09%0.09%0.06%0.04%-8 bps
Allowance / Loans0.95%0.95%0.96%0.92%0.97%0.97%0.98%1.00%+8 bps
Allowance Coverage of NPLs1.3x1.0x1.1x1.3x2.3x1.7x2.2x1.7x+0.4x
Capital
Tier 1 Leverage Ratio9.32%9.15%9.22%9.52%9.71%9.13%9.12%8.64%-88 bps
Total Risk-Based Capital14.92%14.43%14.71%14.49%14.82%14.01%14.16%13.35%-114 bps
Equity / Assets8.29%7.65%7.95%8.37%8.77%8.22%7.87%7.88%-50 bps
Liquidity & Funding
Loans / Deposits64.26%61.34%61.08%65.77%66.60%66.73%64.14%68.32%+255 bps
Liquid Assets / Assets21.87%20.67%20.84%16.09%16.50%16.42%17.85%15.42%-67 bps
CRE / Total Capitaln/an/an/an/a320%340%335%n/an/a