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Premier Bank of the South

Cullman, AL · Cert 27118 · FCB Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

36

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

Premier Bank of the South

Cullman, AL · Cert 27118 · FCB Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$370.6MAssets
$231.8MLoans
$337.1MDeposits
$31.6MEquity
Loan mix
81%RE $182.1M12%C&I $26.2M8%Consumer $17.8MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $243.8M28%Noninterest $93.3MQ2 2025Q2 2026

NIM

5.30%Q2 ’245.37%Q2 ’255.24%Q2 ’26+3%+2%

Non-interest income vs. expense

3.23%Q2 ’243.31%Q2 ’253.51%Q2 ’26+6%+6%

Market Position · Huntsville, AL · 2026 SOD (annual) · 0.4% share · #26 of 37 inst. · $0.0B of $12.4B

9.5% Cullman
0.4% Madison
5.5% Winston
0.8% Morgan

Executive Summary

  • Earnings: ROA of 0.90%, down 6 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net recoveries of 0.15%.
  • Capital: tier 1 leverage ratio of 9.37%, up 9 bps from a year ago.
  • Funding: loans stand at 68.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+7 bps YoY

Efficiency Ratio (YTD, annualized)

73.79%+260 bps YoY

Tier 1 Leverage Ratio

9.37%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.95%0.94%0.84%0.90%-6 bps
Return on Equity12.40%12.15%11.78%10.02%10.62%-177 bps
Net Interest Margin3.91%3.85%3.90%3.89%3.98%+7 bps
Efficiency Ratio71.19%71.05%71.90%73.73%73.79%+260 bps
Non-Interest Burden2.57%2.52%2.60%2.68%2.74%+17 bps
Growth
Asset Growth (YoY)3.78%1.47%2.61%-0.82%1.01%-277 bps
Loan Growth (YoY)9.23%9.24%11.42%9.83%10.50%+127 bps
Deposit Growth (YoY)2.73%0.76%1.69%-1.64%0.53%-220 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.02%0.05%0.03%0.00%-4 bps
Net Charge-Offs / Loans0.19%0.20%0.15%0.17%-0.15%-34 bps
Allowance / Loans1.01%1.01%1.02%1.01%1.13%+12 bps
Allowance Coverage of NPLs23.4x49.5x21.5x32.9xn/an/a
Capital
Tier 1 Leverage Ratio9.28%9.11%9.26%9.29%9.37%+9 bps
Total Risk-Based Capital17.79%15.81%17.30%16.81%17.29%-51 bps
Equity / Assets8.01%8.24%8.35%8.48%8.53%+52 bps
Liquidity & Funding
Loans / Deposits62.55%64.80%65.09%67.51%68.76%+621 bps
Liquid Assets / Assets16.71%19.73%18.59%16.18%14.80%-191 bps
CRE / Total Capitaln/a161.43%168.26%150.88%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

Premier Bank of the South

Cullman, AL · Cert 27118 · Peer group: banks under $1B in assets (n=581-629) · FCB Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$370.6MAssets
$231.8MLoans
$337.1MDeposits
$31.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets (rank 494 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.90%

Rank 369 of 629

Net Interest Margin

3.98%

Rank 172 of 629

Efficiency Ratio

73.79%

Rank 405 of 629

Equity / Assets

8.53%

Rank 518 of 629

Non-interest income vs. expense

$2.9M$13.0MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 36% of banks under $1B in assets
Bank 73.79%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.60%1.01%1.45%Beats 41%369 / 629
Return on Equity10.60%5.38%9.30%13.28%Beats 57%270 / 629
Net Interest Margin3.98%3.03%3.54%4.05%Beats 73%172 / 629
Efficiency Ratio73.79%58.35%67.79%79.08%Beats 36%405 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 15%494 / 581
Capital
Tier 1 Capital Ratio16.07%11.24%13.84%18.77%Beats 65%221 / 629
Total Risk-Based Capital Ratio17.29%11.58%14.43%19.66%Beats 68%201 / 629
Equity / Assets8.53%9.09%10.65%13.80%Beats 18%518 / 629
Liquidity & Funding
Loans / Deposits68.76%67.24%80.90%93.48%28th pctl429 / 594
Loans / Assets62.53%53.31%67.71%78.15%39th pctl383 / 629
Brokered Deposits / Depositsn/aNot reported for this institution