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

Deposit mix

NIM

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.31%	1.33%	1.31%	1.42%	1.39%	+8 bps
Return on Equity	11.87%	11.82%	11.83%	13.40%	12.98%	+111 bps
Net Interest Margin	4.39%	4.38%	4.32%	4.28%	4.23%	-16 bps
Efficiency Ratio	62.45%	62.32%	62.05%	59.67%	60.24%	-221 bps
Non-Interest Burden	2.53%	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 / Loans	1.07%	0.73%	0.65%	0.83%	1.30%	+22 bps
Net Charge-Offs / Loans	0.07%	0.08%	0.11%	0.26%	0.20%	+14 bps
Allowance / Loans	1.51%	1.53%	1.55%	1.55%	1.51%	0 bps
Allowance Coverage of NPLs	1.4x	2.1x	2.4x	1.9x	1.2x	-0.2x
Capital
Tier 1 Leverage Ratio	11.62%	11.81%	11.41%	10.82%	11.13%	-49 bps
Total Risk-Based Capital	11.62%	11.81%	11.41%	10.82%	11.13%	-49 bps
Equity / Assets	11.20%	11.82%	10.53%	10.72%	10.98%	-23 bps
Liquidity & Funding
Loans / Deposits	61.48%	64.46%	57.25%	57.35%	59.81%	-167 bps
Liquid Assets / Assets	17.14%	9.33%	21.03%	17.56%	17.33%	+19 bps
CRE / Total Capital	n/a	113.29%	112.68%	111.62%	n/a	n/a