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Community Neighbor Bank

Camden, AL · Cert 2787 · First Camden Bancshares Inc.

State charter, non-member · FDIC · 4 branches

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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

62

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

Community Neighbor Bank

Camden, AL · Cert 2787 · First Camden Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$193.2MAssets
$102.7MLoans
$171.7MDeposits
$21.2MEquity
Loan mix
72%RE $69.6M18%C&I $17.4M10%Consumer $9.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $122.0M29%Noninterest $49.8MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.89%Q2 ’255.63%Q2 ’26+10%-4%

Non-interest income vs. expense

3.08%Q2 ’243.11%Q2 ’252.91%Q2 ’26+1%-8%

Executive Summary

  • Earnings: ROA of 1.39%, up 8 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.30% of loans (+22 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 11.13%, down 49 bps from a year ago.
  • Funding: loans stand at 59.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-16 bps YoY

Efficiency Ratio (YTD, annualized)

60.24%-221 bps YoY

Tier 1 Leverage Ratio

11.13%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.33%1.31%1.42%1.39%+8 bps
Return on Equity11.87%11.82%11.83%13.40%12.98%+111 bps
Net Interest Margin4.39%4.38%4.32%4.28%4.23%-16 bps
Efficiency Ratio62.45%62.32%62.05%59.67%60.24%-221 bps
Non-Interest Burden2.53%2.52%2.49%2.34%2.31%-21 bps
Growth
Asset Growth (YoY)2.34%4.30%13.85%13.45%11.16%+882 bps
Loan Growth (YoY)4.63%10.30%9.69%8.58%8.45%+382 bps
Deposit Growth (YoY)1.36%3.88%14.20%13.80%11.47%+1,011 bps
Asset Quality
Nonperforming Loans / Loans1.07%0.73%0.65%0.83%1.30%+22 bps
Net Charge-Offs / Loans0.07%0.08%0.11%0.26%0.20%+14 bps
Allowance / Loans1.51%1.53%1.55%1.55%1.51%0 bps
Allowance Coverage of NPLs1.4x2.1x2.4x1.9x1.2x-0.2x
Capital
Tier 1 Leverage Ratio11.62%11.81%11.41%10.82%11.13%-49 bps
Total Risk-Based Capital11.62%11.81%11.41%10.82%11.13%-49 bps
Equity / Assets11.20%11.82%10.53%10.72%10.98%-23 bps
Liquidity & Funding
Loans / Deposits61.48%64.46%57.25%57.35%59.81%-167 bps
Liquid Assets / Assets17.14%9.33%21.03%17.56%17.33%+19 bps
CRE / Total Capitaln/a113.29%112.68%111.62%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

Community Neighbor Bank

Camden, AL · Cert 2787 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Camden Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$193.2MAssets
$102.7MLoans
$171.7MDeposits
$21.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks under $1B in assets operating in a single state (rank 165 of 746).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets operating in a single state (rank 660 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 213 of 746

Net Interest Margin

4.23%

Rank 165 of 746

Efficiency Ratio

60.24%

Rank 286 of 746

Equity / Assets

10.98%

Rank 322 of 746

Non-interest income vs. expense

$1.2M$5.6MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 62% of banks under $1B in assets operating in a single state
Bank 60.24%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.72%1.06%1.45%Beats 71%213 / 746
Return on Equity12.62%6.74%10.51%13.63%Beats 68%240 / 746
Net Interest Margin4.23%3.17%3.68%4.16%Beats 78%165 / 746
Efficiency Ratio60.24%55.74%64.58%75.47%Beats 62%286 / 746
Asset Quality
Nonperforming Loans / Loans1.30%0.09%0.42%1.07%Beats 20%594 / 743
Net Charge-Offs / Loans0.14%0.00%0.01%0.05%Beats 11%660 / 743
Capital
Tier 1 Capital Ratio11.13%11.55%13.75%17.60%Beats 21%593 / 746
Total Risk-Based Capital Ratio11.13%11.71%14.33%18.43%Beats 19%604 / 746
Equity / Assets10.98%8.90%10.51%13.06%Beats 57%322 / 746
Liquidity & Funding
Loans / Deposits59.81%61.31%78.27%90.78%22nd pctl581 / 746
Loans / Assets53.17%53.60%66.97%76.08%24th pctl568 / 746
Brokered Deposits / Depositsn/aNot reported for this institution