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Bank47

Union Springs, AL · Cert 32968

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=570 to 617). 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

2

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

Bank47

Union Springs, AL · Cert 32968

State charter, non-member · FDIC · 2 branches

Q2 2026

$97.0MAssets
$65.1MLoans
$87.7MDeposits
$8.3MEquity
Loan mix
61%RE $31.0M23%C&I $11.5M17%Consumer $8.6MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $77.8M11%Noninterest $9.9MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.55%Q2 ’254.77%Q2 ’26-2%-16%

Non-interest income vs. expense

6.47%Q2 ’248.01%Q2 ’257.14%Q2 ’26+22%-8%

Market Position · Huntsville, AL · 2026 SOD (annual) · 0.3% share · #28 of 37 inst. · $0.0B of $12.4B

37.6% Bullock
0.3% Madison

Executive Summary

  • Earnings: ROA of -4.32%, up 51 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.18% of loans (-111 bps YoY), with net recoveries of 0.15%.
  • Capital: tier 1 leverage ratio of 12.97%, down 336 bps from a year ago.
  • Funding: loans stand at 74.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-4.32%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-55 bps YoY

Efficiency Ratio (YTD, annualized)

224%+2,542 bps YoY

Tier 1 Leverage Ratio

12.97%-336 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.83%-5.39%-5.56%-5.52%-4.32%+51 bps
Return on Equity-40.38%-45.95%-49.47%-58.00%-47.10%-672 bps
Net Interest Margin3.37%3.26%2.97%2.68%2.82%-55 bps
Efficiency Ratio198.80%218%227%261%224%+2,542 bps
Non-Interest Burden7.35%7.81%7.40%7.60%6.77%-58 bps
Growth
Asset Growth (YoY)13.44%13.65%13.19%23.41%39.94%+2,651 bps
Loan Growth (YoY)137.46%44.92%55.70%68.59%67.02%-7,044 bps
Deposit Growth (YoY)19.27%17.92%16.04%27.22%44.98%+2,571 bps
Asset Quality
Nonperforming Loans / Loans1.29%1.15%0.13%0.81%0.18%-111 bps
Net Charge-Offs / Loans-0.02%0.05%-0.28%-0.39%-0.15%-13 bps
Allowance / Loans2.73%3.00%3.29%2.96%2.41%-31 bps
Allowance Coverage of NPLs2.1x2.6x25.5x3.6x13.7x+11.6x
Capital
Tier 1 Leverage Ratio16.33%16.43%13.61%13.50%12.97%-336 bps
Total Risk-Based Capital27.28%27.89%23.62%13.50%12.97%-1,430 bps
Equity / Assets11.46%11.08%9.52%9.51%8.54%-292 bps
Liquidity & Funding
Loans / Deposits64.51%54.82%57.10%65.70%74.31%+981 bps
Liquid Assets / Assets8.66%17.35%18.37%10.57%3.36%-531 bps
CRE / Total Capitaln/a91.27%118.07%142.47%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

Bank47

Union Springs, AL · Cert 32968 · Peer group: banks under $1B in assets (n=570-617)

State charter, non-member · FDIC · 2 branches

Q2 2026

$97.0MAssets
$65.1MLoans
$87.7MDeposits
$8.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of banks under $1B in assets (rank 186 of 570).
  • Widest gap: return on equity trails 99% of banks under $1B in assets (rank 613 of 617).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-3.98%

Rank 603 of 617

Net Interest Margin

2.82%

Rank 516 of 617

Efficiency Ratio

224%

Rank 608 of 617

Equity / Assets

8.54%

Rank 506 of 617

Non-interest income vs. expense

$0.3M$6.5MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 2% of banks under $1B in assets
Bank 224%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.98%0.60%1.01%1.45%Beats 2%603 / 617
Return on Equity-46.61%5.30%9.43%13.30%Beats 1%613 / 617
Net Interest Margin2.82%3.04%3.54%4.05%Beats 16%516 / 617
Efficiency Ratio224%58.03%67.76%79.08%Beats 2%608 / 617
Asset Quality
Nonperforming Loans / Loans0.18%0.09%0.47%1.27%Beats 68%186 / 570
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 43%328 / 570
Capital
Tier 1 Capital Ratio12.97%11.18%13.83%18.55%Beats 44%347 / 617
Total Risk-Based Capital Ratio12.97%11.56%14.39%19.39%Beats 39%379 / 617
Equity / Assets8.54%9.03%10.55%13.63%Beats 18%506 / 617
Liquidity & Funding
Loans / Deposits74.31%64.77%79.70%93.06%40th pctl352 / 582
Loans / Assets67.18%51.70%67.18%77.51%50th pctl309 / 617
Brokered Deposits / Depositsn/aNot reported for this institution