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First Progressive Bank

Brewton, AL · Cert 22549

State charter, Fed member · FED · 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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

18

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 Progressive Bank

Brewton, AL · Cert 22549

State charter, Fed member · FED · 1 branch

Q2 2026

$31.6MAssets
$10.5MLoans
$22.7MDeposits
$8.9MEquity
Loan mix
67%RE $6.8M27%C&I $2.8M6%Consumer $0.6MQ3 2024Q2 2026
Deposit mix
40%Interest-bearing $9.1M60%Noninterest $13.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.02%, down 10 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 3.82% of loans (+243 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 28.01%, up 76 bps from a year ago.
  • Funding: loans stand at 46.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.02%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+32 bps YoY

Efficiency Ratio (YTD, annualized)

80.08%-862 bps YoY

Tier 1 Leverage Ratio

28.01%+76 bps YoY

NIM

2.95%Q2 ’242.86%Q2 ’253.18%Q2 ’26-3%+11%

Non-interest income vs. expense

2.33%Q2 ’242.53%Q2 ’252.56%Q2 ’26+10%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.46%-0.18%0.12%0.25%0.36%-0.26%0.02%-10 bps
Return on Equity1.82%1.74%-0.69%0.46%0.91%1.32%-0.95%0.09%-37 bps
Net Interest Margin2.90%2.91%2.81%2.82%2.90%3.03%3.28%3.14%+32 bps
Efficiency Ratio76.54%78.18%99.57%88.70%83.76%81.19%81.32%80.08%-862 bps
Non-Interest Burden2.20%2.26%2.79%2.49%2.42%2.45%2.65%2.50%+1 bps
Growth
Asset Growth (YoY)-2.60%-1.69%-3.14%-2.16%-3.07%-0.86%0.63%-2.06%+10 bps
Loan Growth (YoY)7.26%6.24%1.83%2.36%2.57%-0.55%-3.40%-4.91%-727 bps
Deposit Growth (YoY)-4.09%-2.90%-4.76%-3.39%-4.59%-1.66%0.39%-3.25%+14 bps
Asset Quality
Nonperforming Loans / Loans1.37%0.93%0.52%1.39%0.83%3.66%0.06%3.82%+243 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.18%1.15%1.26%1.34%1.51%1.54%2.22%2.24%+90 bps
Allowance Coverage of NPLs0.9x1.2x2.4x1.0x1.8x0.4x39.0x0.6x-0.4x
Capital
Tier 1 Leverage Ratio26.58%26.90%26.92%27.25%27.46%27.48%27.34%28.01%+76 bps
Total Risk-Based Capital26.58%26.90%26.92%27.25%27.46%27.48%27.34%28.01%+76 bps
Equity / Assets26.65%26.85%26.96%27.23%27.80%27.44%27.13%28.12%+89 bps
Liquidity & Funding
Loans / Deposits43.62%44.41%46.10%46.87%46.89%44.91%44.36%46.07%-80 bps
Liquid Assets / Assets53.48%53.46%53.77%54.09%49.92%53.40%52.92%54.69%+60 bps
CRE / Total Capitaln/an/an/an/a21.41%21.54%18.90%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 Progressive Bank

Brewton, AL · Cert 22549 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, Fed member · FED · 1 branch

Q2 2026

$31.6MAssets
$10.5MLoans
$22.7MDeposits
$8.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 721 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.03%

Rank 719 of 746

Net Interest Margin

3.14%

Rank 571 of 746

Efficiency Ratio

80.08%

Rank 616 of 746

Equity / Assets

28.12%

Rank 18 of 746

Non-interest income vs. expense

$18K$812KINCOMEEXPENSE
Unfavorable gap of $794K · efficiency ratio beats 18% of banks under $1B in assets operating in a single state
Bank 80.08%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.03%0.72%1.06%1.45%Beats 4%719 / 746
Return on Equity0.09%6.74%10.51%13.63%Beats 4%719 / 746
Net Interest Margin3.14%3.17%3.68%4.16%Beats 23%571 / 746
Efficiency Ratio80.08%55.74%64.58%75.47%Beats 18%616 / 746
Asset Quality
Nonperforming Loans / Loans3.82%0.09%0.42%1.07%Beats 3%721 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio28.01%11.55%13.75%17.60%Beats 94%48 / 746
Total Risk-Based Capital Ratio28.01%11.71%14.33%18.43%Beats 93%51 / 746
Equity / Assets28.12%8.90%10.51%13.06%Beats 98%18 / 746
Liquidity & Funding
Loans / Deposits46.07%61.31%78.27%90.78%10th pctl675 / 746
Loans / Assets33.11%53.60%66.97%76.08%5th pctl711 / 746
Brokered Deposits / Depositsn/aNot reported for this institution