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Grand Bank for Savings, F.S.B.

Hattiesburg, MS · Cert 31864 · GBS Financial Inc.

State savings bank · OCC · 1 branch

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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

9

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

Grand Bank for Savings, F.S.B.

Hattiesburg, MS · Cert 31864 · GBS Financial Inc.

State savings bank · OCC · 1 branch

Q2 2026

$280.4MAssets
$204.6MLoans
$246.9MDeposits
$30.4MEquity
Loan mix
100%RE $206.7M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $243.6M1%Noninterest $3.3MQ2 2025Q2 2026

NIM

7.30%Q2 ’247.28%Q2 ’257.06%Q2 ’26+6%+10%

Non-interest income vs. expense

3.87%Q2 ’243.32%Q2 ’253.73%Q2 ’26-18%+12%

Market Position · Hattiesburg, MS · 2026 SOD (annual) · 6.0% share · #6 of 20 inst. · $0.2B of $4.1B

Executive Summary

  • Earnings: ROA of 0.30%, down 6 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.78% of loans (+16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.98%, up 50 bps from a year ago.
  • Funding: loans stand at 82.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+36 bps YoY

Efficiency Ratio (YTD, annualized)

89.02%+134 bps YoY

Tier 1 Leverage Ratio

10.98%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.40%0.38%0.24%0.30%-6 bps
Return on Equity4.05%4.34%3.99%2.20%2.80%-125 bps
Net Interest Margin3.63%3.69%3.76%3.94%3.99%+36 bps
Efficiency Ratio87.68%86.64%87.56%89.07%89.02%+134 bps
Non-Interest Burden3.17%3.17%3.27%3.49%3.53%+37 bps
Growth
Asset Growth (YoY)40.60%16.03%9.70%4.23%-2.82%-4,341 bps
Loan Growth (YoY)29.82%7.03%3.28%9.54%6.01%-2,381 bps
Deposit Growth (YoY)39.16%14.16%7.16%1.00%-3.32%-4,248 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.52%0.73%0.62%0.78%+16 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%-0.01%0.00%+1 bps
Allowance / Loans0.72%0.73%0.73%0.72%0.73%+1 bps
Allowance Coverage of NPLs1.2x1.4x1.0x1.2x0.9x-0.2x
Capital
Tier 1 Leverage Ratio10.48%10.53%10.73%10.90%10.98%+50 bps
Total Risk-Based Capital10.48%10.53%10.73%10.90%10.98%+50 bps
Equity / Assets10.11%10.54%10.76%10.88%10.84%+74 bps
Liquidity & Funding
Loans / Deposits75.58%77.00%77.84%84.85%82.88%+730 bps
Liquid Assets / Assets28.55%27.15%26.24%19.32%20.78%-777 bps
CRE / Total Capitaln/a6.92%7.62%9.82%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

Grand Bank for Savings, F.S.B.

Hattiesburg, MS · Cert 31864 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · GBS Financial Inc.

State savings bank · OCC · 1 branch

Q2 2026

$280.4MAssets
$204.6MLoans
$246.9MDeposits
$30.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: efficiency ratio trails 91% of banks under $1B in assets operating in a single state (rank 683 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.30%

Rank 672 of 746

Net Interest Margin

3.99%

Rank 252 of 746

Efficiency Ratio

89.02%

Rank 683 of 746

Equity / Assets

10.84%

Rank 337 of 746

Non-interest income vs. expense

$0.5M$10.3MINCOMEEXPENSE
Unfavorable gap of $9.8M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state
Bank 89.02%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.72%1.06%1.45%Beats 10%672 / 746
Return on Equity2.77%6.74%10.51%13.63%Beats 11%665 / 746
Net Interest Margin3.99%3.17%3.68%4.16%Beats 66%252 / 746
Efficiency Ratio89.02%55.74%64.58%75.47%Beats 9%683 / 746
Asset Quality
Nonperforming Loans / Loans0.78%0.09%0.42%1.07%Beats 33%496 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.98%11.55%13.75%17.60%Beats 19%605 / 746
Total Risk-Based Capital Ratio10.98%11.71%14.33%18.43%Beats 17%616 / 746
Equity / Assets10.84%8.90%10.51%13.06%Beats 55%337 / 746
Liquidity & Funding
Loans / Deposits82.88%61.31%78.27%90.78%60th pctl300 / 746
Loans / Assets72.98%53.60%66.97%76.08%66th pctl253 / 746
Brokered Deposits / Depositsn/aNot reported for this institution