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RBC Bank (Georgia), National Association

Atlanta, GA · Cert 26342 · Royal Bank of Canada

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

RBC Bank (Georgia), National Association

Atlanta, GA · Cert 26342 · Royal Bank of Canada

National charter · OCC · 1 affiliate bank · 1 branch (67 in holding)

Q2 2026

$9.6BAssets
$4.4BLoans
$8.5BDeposits
$956.8MEquity
Loan mix
90%RE $2.6B0%C&I $0.0B10%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $7.0B18%Noninterest $1.5BQ2 2025Q2 2026

NIM

4.33%Q2 ’244.44%Q2 ’254.12%Q2 ’26+9%-8%

Non-interest income vs. expense

1.36%Q2 ’241.56%Q2 ’251.20%Q2 ’26+45%-20%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 3.3% share · #7 of 81 inst. · $8.5B of $255.1B

Executive Summary

  • Earnings: ROA of 2.47%, up 3 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.41% of loans (-28 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 10.42%, down 140 bps from a year ago.
  • Funding: loans stand at 51.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.47%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-34 bps YoY

Efficiency Ratio (YTD, annualized)

27.22%-436 bps YoY

Tier 1 Leverage Ratio

10.42%-140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.44%2.45%2.48%2.30%2.47%+3 bps
Return on Equity21.79%21.98%22.30%21.57%23.77%+198 bps
Net Interest Margin4.04%3.90%3.70%3.86%3.70%-34 bps
Efficiency Ratio31.58%30.88%29.58%30.90%27.22%-436 bps
Non-Interest Burden0.73%0.70%0.62%0.74%0.59%-14 bps
Growth
Asset Growth (YoY)6.27%10.52%19.08%27.80%39.74%+3,346 bps
Loan Growth (YoY)2.60%1.13%8.63%18.94%54.72%+5,212 bps
Deposit Growth (YoY)5.34%10.24%18.45%28.86%42.71%+3,737 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.68%0.66%0.61%0.41%-28 bps
Net Charge-Offs / Loans0.42%0.41%0.39%0.38%0.28%-14 bps
Allowance / Loans0.81%0.84%0.74%0.69%0.52%-29 bps
Allowance Coverage of NPLs1.2x1.2x1.1x1.1x1.3x+0.1x
Capital
Tier 1 Leverage Ratio11.82%11.35%11.14%10.81%10.42%-140 bps
Total Risk-Based Capital41.38%41.60%42.14%45.00%49.16%+777 bps
Equity / Assets11.81%11.07%10.96%10.37%9.97%-183 bps
Liquidity & Funding
Loans / Deposits47.40%43.99%44.62%44.41%51.39%+399 bps
Liquid Assets / Assets3.05%3.12%4.88%3.58%3.16%+11 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

RBC Bank (Georgia), National Association

Atlanta, GA · Cert 26342 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Royal Bank of Canada

National charter · OCC · 1 affiliate bank · 1 branch (67 in holding)

Q2 2026

$9.6BAssets
$4.4BLoans
$8.5BDeposits
$956.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 1 of 258).
  • Widest gap: net charge-offs / loans trails 88% of banks $1B-$10B in assets operating in a single state (rank 229 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.27%

Rank 14 of 258

Net Interest Margin

3.70%

Rank 89 of 258

Efficiency Ratio

27.81%

Rank 3 of 257

Equity / Assets

9.97%

Rank 141 of 258

Non-interest income vs. expense

$57.6M$112.9MINCOMEEXPENSE
Unfavorable gap of $55.3M · efficiency ratio beats 99% of banks $1B-$10B in assets operating in a single state
Bank 27.81%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.27%0.93%1.23%1.54%Beats 95%14 / 258
Return on Equity22.77%9.26%11.84%14.74%Beats 95%12 / 258
Net Interest Margin3.70%3.16%3.49%3.88%Beats 66%89 / 258
Efficiency Ratio27.81%51.71%60.30%69.65%Beats 99%3 / 257
Asset Quality
Nonperforming Loans / Loans0.41%0.19%0.46%0.90%Beats 54%119 / 258
Net Charge-Offs / Loans0.16%0.01%0.02%0.07%Beats 12%229 / 258
Capital
Tier 1 Capital Ratio48.11%11.41%12.98%15.12%Beats 100%1 / 258
Total Risk-Based Capital Ratio49.16%12.10%13.91%16.08%Beats 100%1 / 258
Equity / Assets9.97%9.09%10.24%11.72%Beats 45%141 / 258
Liquidity & Funding
Loans / Deposits51.39%73.24%86.34%95.95%4th pctl248 / 258
Loans / Assets45.72%63.01%72.27%78.40%5th pctl246 / 258
Brokered Deposits / Depositsn/aNot reported for this institution