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First Peoples Bank

Pine Mountain, GA · Cert 33010 · First Peoples Bankshares Inc.

State charter, non-member · FDIC · 7 branches

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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

44

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

First Peoples Bank

Pine Mountain, GA · Cert 33010 · First Peoples Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$449.4MAssets
$356.4MLoans
$379.2MDeposits
$54.2MEquity
Loan mix
89%RE $292.9M10%C&I $31.3M1%Consumer $3.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $274.8M28%Noninterest $104.5MQ3 2024Q2 2026

Market Position · Columbus, GA-AL · 2026 SOD (annual) · 2.4% share · #7 of 16 inst. · $0.2B of $9.5B

70.1% Harris
34.2% Meriwether
0.8% Henry
0.2% Muscogee

Executive Summary

  • Earnings: ROA of 1.04%, down 28 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.12% of loans (+6 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 12.84%, up 174 bps from a year ago.
  • Funding: loans stand at 93.99% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.04%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+14 bps YoY

Efficiency Ratio (YTD, annualized)

66.76%+831 bps YoY

Tier 1 Leverage Ratio

12.84%+174 bps YoY

NIM

5.81%Q2 ’246.15%Q2 ’256.01%Q2 ’26+5%+3%

Non-interest income vs. expense

2.75%Q2 ’242.70%Q2 ’253.24%Q2 ’26-2%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.06%1.30%1.32%1.26%1.23%1.06%1.04%-28 bps
Return on Equity10.24%10.68%13.65%13.53%12.64%11.86%8.74%8.59%-494 bps
Net Interest Margin4.08%3.95%4.23%4.33%4.25%4.21%4.41%4.47%+14 bps
Efficiency Ratio63.02%60.86%58.23%58.45%60.80%61.79%66.45%66.76%+831 bps
Non-Interest Burden2.46%2.30%2.36%2.41%2.55%2.49%2.80%2.86%+45 bps
Growth
Asset Growth (YoY)15.71%15.53%13.54%12.91%16.39%14.36%11.12%20.10%+719 bps
Loan Growth (YoY)20.35%23.34%17.29%15.27%12.72%8.67%14.21%22.39%+713 bps
Deposit Growth (YoY)15.03%16.13%13.23%7.24%11.33%9.62%7.69%19.85%+1,260 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.26%0.25%0.06%0.08%0.08%0.06%0.12%+6 bps
Net Charge-Offs / Loans0.04%0.05%0.05%0.03%0.02%0.04%0.01%0.06%+3 bps
Allowance / Loans1.50%1.50%1.51%1.53%1.58%1.53%1.49%1.46%-7 bps
Allowance Coverage of NPLs4.7x5.9x6.1x25.2x19.8x19.5x23.6x12.2x-13.0x
Capital
Tier 1 Leverage Ratio11.28%10.90%10.59%11.10%11.05%13.52%13.05%12.84%+174 bps
Total Risk-Based Capital14.61%14.29%14.67%14.94%14.95%17.53%16.52%15.73%+79 bps
Equity / Assets10.68%9.14%9.91%10.35%10.48%11.64%12.65%12.06%+171 bps
Liquidity & Funding
Loans / Deposits88.65%80.71%87.24%92.03%89.76%80.01%92.52%93.99%+196 bps
Liquid Assets / Assets2.16%3.82%7.61%5.86%8.53%14.80%6.58%6.31%+44 bps
CRE / Total Capitaln/an/an/an/a361%298%325%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

First Peoples Bank

Pine Mountain, GA · Cert 33010 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Peoples Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$449.4MAssets
$356.4MLoans
$379.2MDeposits
$54.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets operating in a single state (rank 102 of 746).
  • Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets operating in a single state (rank 499 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.01%

Rank 400 of 746

Net Interest Margin

4.47%

Rank 102 of 746

Efficiency Ratio

66.76%

Rank 419 of 746

Equity / Assets

12.06%

Rank 240 of 746

Non-interest income vs. expense

$1.7M$14.1MINCOMEEXPENSE
Unfavorable gap of $12.5M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
Bank 66.76%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.01%0.72%1.06%1.45%Beats 46%400 / 746
Return on Equity8.39%6.74%10.51%13.63%Beats 36%474 / 746
Net Interest Margin4.47%3.17%3.68%4.16%Beats 86%102 / 746
Efficiency Ratio66.76%55.74%64.58%75.47%Beats 44%419 / 746
Asset Quality
Nonperforming Loans / Loans0.12%0.09%0.42%1.07%Beats 73%200 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 33%499 / 743
Capital
Tier 1 Capital Ratio14.48%11.55%13.75%17.60%Beats 56%325 / 746
Total Risk-Based Capital Ratio15.73%11.71%14.33%18.43%Beats 61%291 / 746
Equity / Assets12.06%8.90%10.51%13.06%Beats 68%240 / 746
Liquidity & Funding
Loans / Deposits93.99%61.31%78.27%90.78%82nd pctl136 / 746
Loans / Assets79.32%53.60%66.97%76.08%84th pctl121 / 746
Brokered Deposits / Depositsn/aNot reported for this institution