PackageTrendsPeer
Letter portraitLegal landscape

First National Community Bank

Chatsworth, GA · Cert 22092 · First Chatsworth Bankshares

National charter · OCC · 11 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

85

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

First National Community Bank

Chatsworth, GA · Cert 22092 · First Chatsworth Bankshares

National charter · OCC · 11 branches

Q2 2026

$754.7MAssets
$540.0MLoans
$653.2MDeposits
$97.5MEquity
Loan mix
91%RE $470.1M8%C&I $42.7M1%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $498.5M24%Noninterest $154.7MQ3 2024Q2 2026

Market Position · Dalton, GA · 2026 SOD (annual) · 8.8% share · #6 of 10 inst. · $0.3B of $3.2B

8.0% Floyd
34.8% Murray
4.3% Whitfield
4.6% Bartow

Executive Summary

  • Earnings: ROA of 1.90%, up 6 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.43% of loans (-68 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.92%, down 1 bps from a year ago.
  • Funding: loans stand at 82.67% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.90%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.65%-16 bps YoY

Efficiency Ratio (YTD, annualized)

48.39%-203 bps YoY

Tier 1 Leverage Ratio

12.92%-1 bps YoY

NIM

6.44%Q2 ’246.48%Q2 ’256.24%Q2 ’26-2%-3%

Non-interest income vs. expense

2.78%Q2 ’242.68%Q2 ’252.49%Q2 ’26-3%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%1.93%1.86%1.84%1.72%1.83%1.87%1.90%+6 bps
Return on Equity15.00%15.13%14.07%14.07%13.21%13.89%13.77%14.25%+18 bps
Net Interest Margin5.05%5.02%4.90%4.81%4.80%4.75%4.70%4.65%-16 bps
Efficiency Ratio50.13%49.49%50.14%50.43%48.65%48.19%48.60%48.39%-203 bps
Non-Interest Burden2.31%2.26%2.25%2.21%2.10%2.05%2.06%2.02%-19 bps
Growth
Asset Growth (YoY)7.48%4.61%11.09%7.75%13.64%8.19%6.31%7.94%+19 bps
Loan Growth (YoY)7.30%9.09%9.69%10.22%5.26%-0.57%0.80%2.32%-790 bps
Deposit Growth (YoY)6.12%3.30%10.47%7.11%14.35%7.89%5.72%7.85%+74 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.22%0.30%1.11%0.50%0.54%0.46%0.43%-68 bps
Net Charge-Offs / Loans0.02%0.09%0.19%0.10%0.61%0.47%-0.01%-0.01%-12 bps
Allowance / Loans1.33%1.26%1.24%1.25%1.25%1.34%1.32%1.31%+7 bps
Allowance Coverage of NPLs4.2x5.6x4.1x1.1x2.5x2.5x2.9x3.1x+1.9x
Capital
Tier 1 Leverage Ratio12.98%13.34%13.20%12.94%12.88%13.06%13.50%12.92%-1 bps
Total Risk-Based Capital12.98%13.34%13.20%12.94%12.88%13.06%13.50%12.92%-1 bps
Equity / Assets13.40%13.29%13.13%12.81%12.99%13.56%13.57%12.92%+11 bps
Liquidity & Funding
Loans / Deposits90.32%89.01%87.46%87.14%83.15%82.03%83.40%82.67%-447 bps
Liquid Assets / Assets14.15%15.42%16.99%17.23%21.12%22.57%21.65%22.26%+502 bps
CRE / Total Capitaln/an/an/an/a398%371%367%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

First National Community Bank

Chatsworth, GA · Cert 22092 · Peer group: banks under $1B in assets in GA (n=58-59) · First Chatsworth Bankshares

National charter · OCC · 11 branches

Q2 2026

$754.7MAssets
$540.0MLoans
$653.2MDeposits
$97.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 85% of banks under $1B in assets in GA (rank 9 of 59).
  • Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets in GA (rank 41 of 59).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.83%

Rank 9 of 59

Net Interest Margin

4.65%

Rank 19 of 59

Efficiency Ratio

48.77%

Rank 10 of 59

Equity / Assets

12.92%

Rank 21 of 59

Non-interest income vs. expense

$3.4M$18.4MINCOMEEXPENSE
Unfavorable gap of $15.0M · efficiency ratio beats 85% of banks under $1B in assets in GA
Bank 48.77%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.83%0.94%1.46%1.76%Beats 85%9 / 59
Return on Equity14.17%7.92%11.60%15.10%Beats 64%21 / 59
Net Interest Margin4.65%3.66%4.24%4.75%Beats 68%19 / 59
Efficiency Ratio48.77%51.87%60.25%70.24%Beats 85%10 / 59
Asset Quality
Nonperforming Loans / Loans0.43%0.10%0.36%0.89%Beats 45%33 / 58
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 60%24 / 58
Capital
Tier 1 Capital Ratio12.92%11.93%15.65%21.05%Beats 31%41 / 59
Total Risk-Based Capital Ratio12.92%12.05%15.77%22.26%Beats 31%41 / 59
Equity / Assets12.92%9.10%11.51%14.32%Beats 64%21 / 59
Liquidity & Funding
Loans / Deposits82.67%59.62%72.81%85.44%71st pctl17 / 58
Loans / Assets71.55%49.55%64.39%73.73%71st pctl17 / 59
Brokered Deposits / Depositsn/aNot reported for this institution