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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 $9.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $122.0M29%Noninterest $49.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.36%, up 1 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 1.30% of loans (+22 bps YoY), with net charge-offs at 0.16%.
  • 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.

Return on Assets (quarter, annualized)

1.36%+1 bps YoY

Net Interest Margin (quarter, annualized)

4.20%-34 bps YoY

Efficiency Ratio (quarter, annualized)

60.81%-121 bps YoY

Tier 1 Leverage Ratio

11.13%-49 bps YoY

NIM

5.77%Q2 ’246.01%Q2 ’255.60%Q2 ’26+12%-7%

Non-interest income vs. expense

3.16%Q2 ’243.19%Q2 ’252.95%Q2 ’26+2%-11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.21%1.27%1.36%1.35%1.31%1.42%1.36%+1 bps
Return on Equity10.28%10.95%11.56%12.17%11.72%11.73%13.40%12.57%+40 bps
Net Interest Margin4.15%4.20%4.26%4.53%4.45%4.48%4.28%4.20%-34 bps
Efficiency Ratio66.31%63.01%62.91%62.02%62.07%61.23%59.67%60.81%-121 bps
Non-Interest Burden2.54%2.47%2.48%2.58%2.56%2.60%2.34%2.29%-28 bps
Growth
Asset Growth (YoY)4.68%6.47%7.38%2.34%4.30%13.85%13.45%11.16%+882 bps
Loan Growth (YoY)3.19%0.77%2.52%4.63%10.30%9.69%8.58%8.45%+382 bps
Deposit Growth (YoY)16.42%19.57%15.79%1.36%3.88%14.20%13.80%11.47%+1,011 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.72%1.18%1.07%0.73%0.65%0.83%1.30%+22 bps
Net Charge-Offs / Loans0.25%0.57%0.15%-0.01%0.10%0.20%0.26%0.16%+17 bps
Allowance / Loans1.56%1.48%1.50%1.51%1.53%1.55%1.55%1.51%0 bps
Allowance Coverage of NPLs1.3x0.9x1.3x1.4x2.1x2.4x1.9x1.2x-0.2x
Capital
Tier 1 Leverage Ratio11.45%11.51%11.31%11.62%11.81%11.41%10.82%11.13%-49 bps
Total Risk-Based Capital11.45%11.51%11.31%11.62%11.81%11.41%10.82%11.13%-49 bps
Equity / Assets11.34%10.82%11.08%11.20%11.82%10.53%10.72%10.98%-23 bps
Liquidity & Funding
Loans / Deposits60.71%59.61%60.12%61.48%64.46%57.25%57.35%59.81%-167 bps
Liquid Assets / Assets10.38%12.63%18.11%17.14%9.33%21.03%17.56%17.33%+19 bps
CRE / Total Capitaln/an/an/an/a113.29%112.68%111.62%n/an/a