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Letter portraitLegal landscapeQuarterYTD

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 $17.8MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $243.8M28%Noninterest $93.3MQ3 2024Q2 2026

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 0.96%, down 5 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net recoveries of 0.46%.
  • 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.

Return on Assets (quarter, annualized)

0.96%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+2 bps YoY

Efficiency Ratio (quarter, annualized)

73.86%+373 bps YoY

Tier 1 Leverage Ratio

9.37%+9 bps YoY

NIM

5.46%Q2 ’245.47%Q2 ’255.30%Q2 ’26+4%+1%

Non-interest income vs. expense

3.24%Q2 ’243.35%Q2 ’253.60%Q2 ’26+9%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.00%0.89%1.01%0.95%0.88%0.84%0.96%-5 bps
Return on Equity13.03%13.35%11.84%12.91%11.69%10.65%10.02%11.24%-167 bps
Net Interest Margin3.88%3.98%3.77%4.03%3.89%4.13%3.89%4.05%+2 bps
Efficiency Ratio70.50%70.41%72.32%70.13%70.77%74.27%73.73%73.86%+373 bps
Non-Interest Burden2.51%2.55%2.53%2.60%2.53%2.87%2.68%2.77%+18 bps
Growth
Asset Growth (YoY)15.84%8.22%7.97%3.78%1.47%2.61%-0.82%1.01%-277 bps
Loan Growth (YoY)11.70%8.71%10.62%9.23%9.24%11.42%9.83%10.50%+127 bps
Deposit Growth (YoY)15.03%7.78%7.29%2.73%0.76%1.69%-1.64%0.53%-220 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.03%0.04%0.02%0.05%0.03%0.00%-4 bps
Net Charge-Offs / Loans0.02%0.22%0.06%0.31%0.23%0.04%0.17%-0.46%-78 bps
Allowance / Loans1.06%1.07%1.05%1.01%1.01%1.02%1.01%1.13%+12 bps
Allowance Coverage of NPLs26.7x31.1x33.2x23.4x49.5x21.5x32.9xn/an/a
Capital
Tier 1 Leverage Ratio8.95%9.08%9.18%9.28%9.11%9.26%9.29%9.37%+9 bps
Total Risk-Based Capital16.38%18.20%17.84%17.79%15.81%17.30%16.81%17.29%-51 bps
Equity / Assets7.53%7.44%7.64%8.01%8.24%8.35%8.48%8.53%+52 bps
Liquidity & Funding
Loans / Deposits59.77%59.40%60.46%62.55%64.80%65.09%67.51%68.76%+621 bps
Liquid Assets / Assets21.01%20.14%18.39%16.71%19.73%18.59%16.18%14.80%-191 bps
CRE / Total Capitaln/an/an/an/a161.43%168.26%150.88%n/an/a