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Thomas County Federal Savings & Loan Association

Thomasville, GA · Cert 29331

FDIC · 4 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, 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 regionally (n=105). 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

74

Q2 2024Q3 2025peer median (50)

Asset Quality

45

Q2 2024Q3 2025peer median (50)

Profitability

13

Q2 2024Q3 2025peer median (50)

Liquidity

92

Q2 2024Q3 2025peer median

Efficiency

12

Q2 2024Q3 2025peer 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

Thomas County Federal Savings & Loan Association

Thomasville, GA · Cert 29331

FDIC · 4 branches

Q3 2025

$559.5MAssets
$413.1MLoans
$483.0MDeposits
$57.0MEquity
Loan mix
94%RE $389.5M4%C&I $15.9M2%Consumer $7.7MQ3 2024Q3 2025
Deposit mix
85%Interest-bearing $408.7M15%Noninterest $74.3MQ3 2024Q3 2025

NIM

4.66%Q3 ’235.16%Q3 ’245.27%Q3 ’25-11%+7%

Non-interest income vs. expense

3.30%Q3 ’232.86%Q3 ’242.84%Q3 ’25-12%0%

Market Position · Tallahassee, FL · 2025 SOD (annual) · 1.5% share · #14 of 19 inst. · $0.1B of $8.8B

11.2% Thomas
1.7% Leon
0.1% Duval
0.4% Chatham

Executive Summary

  • Earnings: ROA of 0.34%, up 25 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 1.31% of loans (+117 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.26%, down 372 bps from a year ago.
  • Funding: loans stand at 85.52% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.34%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+21 bps YoY

Efficiency Ratio (YTD, annualized)

87.37%-617 bps YoY

Tier 1 Leverage Ratio

10.26%-372 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.09%0.15%0.34%0.40%0.34%+25 bps
Return on Equity0.66%1.08%2.60%3.37%3.01%+235 bps
Net Interest Margin2.87%2.81%3.08%3.13%3.08%+21 bps
Efficiency Ratio93.54%92.28%85.37%83.29%87.37%-617 bps
Non-Interest Burden2.67%2.58%2.60%2.58%2.67%0 bps
Growth
Asset Growth (YoY)17.68%10.60%13.88%18.40%8.13%-955 bps
Loan Growth (YoY)9.51%8.69%6.38%6.99%5.23%-428 bps
Deposit Growth (YoY)19.09%14.09%16.30%22.88%12.51%-658 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.73%0.72%0.69%1.31%+117 bps
Net Charge-Offs / Loans-0.08%-0.09%-0.03%-0.02%-0.02%+6 bps
Allowance / Loans1.33%1.26%1.28%1.23%1.21%-11 bps
Allowance Coverage of NPLs9.2x1.7x1.8x1.8x0.9x-8.3x
Capital
Tier 1 Leverage Ratio13.98%13.64%13.41%10.55%10.26%-372 bps
Total Risk-Based Capital19.92%19.45%19.33%15.32%15.60%-432 bps
Equity / Assets13.11%13.21%12.92%9.72%10.19%-292 bps
Liquidity & Funding
Loans / Deposits91.44%94.44%89.86%85.19%85.52%-592 bps
Liquid Assets / Assets7.74%2.31%3.40%7.12%5.41%-233 bps
CRE / Total Capitaln/an/an/an/a392%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

Thomas County Federal Savings & Loan Association

Thomasville, GA · Cert 29331 · Peer group: banks under $1B in assets operating regionally (n=105)

FDIC · 4 branches

Q3 2025

$559.5MAssets
$413.1MLoans
$483.0MDeposits
$57.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets operating regionally (rank 21 of 105).
  • Widest gap: return on assets trails 89% of banks under $1B in assets operating regionally (rank 93 of 105).
  • Overall: at or above the peer median on 4 of 10 directional measures.

Return on Assets

0.34%

Rank 93 of 105

Net Interest Margin

3.08%

Rank 87 of 105

Efficiency Ratio

87.37%

Rank 93 of 105

Equity / Assets

10.19%

Rank 40 of 105

Non-interest income vs. expense

$1.0M$16.0MINCOMEEXPENSE
Unfavorable gap of $15.0M · efficiency ratio beats 12% of banks under $1B in assets operating regionally
Bank 87.37%Peer median 65.6%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.34%0.64%1.02%1.37%Beats 11%93 / 105
Return on Equity3.31%6.69%10.12%13.79%Beats 12%92 / 105
Net Interest Margin3.08%3.21%3.58%4.10%Beats 17%87 / 105
Efficiency Ratio87.37%58.40%65.63%78.63%Beats 12%93 / 105
Asset Quality
Nonperforming Loans / Loans1.31%0.15%0.48%1.03%Beats 21%84 / 105
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 68%35 / 105
Capital
Tier 1 Capital Ratio14.35%10.52%12.10%14.17%Beats 79%22 / 105
Total Risk-Based Capital Ratio15.60%10.80%12.58%15.17%Beats 80%21 / 105
Equity / Assets10.19%8.45%9.65%10.96%Beats 62%40 / 105
Liquidity & Funding
Loans / Deposits85.52%74.32%84.10%93.72%52nd pctl50 / 105
Loans / Assets73.83%65.08%70.55%79.54%63rd pctl39 / 105
Brokered Deposits / Deposits6.61%n/a0.09%5.98%Beats 24%81 / 105