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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

$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 0.90%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.95%0.89%0.95%0.95%0.94%0.84%0.90%-6 bps
Return on Equity12.96%13.14%11.84%12.40%12.15%11.78%10.02%10.62%-177 bps
Net Interest Margin3.77%3.75%3.77%3.91%3.85%3.90%3.89%3.98%+7 bps
Efficiency Ratio70.32%70.34%72.32%71.19%71.05%71.90%73.73%73.79%+260 bps
Non-Interest Burden2.42%2.41%2.53%2.57%2.52%2.60%2.68%2.74%+17 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 / Loans0.22%0.22%0.06%0.19%0.20%0.15%0.17%-0.15%-34 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