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Letter portraitLegal landscapeQuarterYTD

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