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First National Bank of Coffee County

Douglas, GA · Cert 33506 · FNC Bcorp Inc.

National charter · OCC · 5 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=573 to 620). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

64

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 2026-10-10

First National Bank of Coffee County

Douglas, GA · Cert 33506 · FNC Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

$547.5MAssets
$282.6MLoans
$494.7MDeposits
$46.7MEquity
Loan mix
87%RE $222.2M12%C&I $29.9M2%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $360.9M27%Noninterest $133.8MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.24%Q2 ’255.01%Q2 ’26+12%+3%

Non-interest income vs. expense

2.40%Q2 ’242.24%Q2 ’252.60%Q2 ’26-8%+19%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #57 of 86 inst. · $0.2B of $348.8B

18.4% Coffee
0.2% Palm Beach
0.1% Broward

Executive Summary

  • Earnings: ROA of 1.12%, down 16 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.24% of loans (+24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.85%, down 15 bps from a year ago.
  • Funding: loans stand at 57.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+9 bps YoY

Efficiency Ratio (YTD, annualized)

63.43%+721 bps YoY

Tier 1 Leverage Ratio

8.85%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.24%1.22%1.09%1.12%-16 bps
Return on Equity15.13%14.31%13.78%12.36%12.89%-224 bps
Net Interest Margin3.49%3.50%3.47%3.53%3.57%+9 bps
Efficiency Ratio56.23%57.95%59.73%63.74%63.43%+721 bps
Non-Interest Burden1.74%1.81%1.85%2.05%2.08%+33 bps
Growth
Asset Growth (YoY)3.74%4.96%2.91%9.68%8.81%+508 bps
Loan Growth (YoY)0.19%-4.82%-4.61%2.37%12.64%+1,245 bps
Deposit Growth (YoY)2.81%4.24%1.54%9.61%9.04%+623 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.26%0.24%+24 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.34%1.44%1.49%1.46%1.37%+3 bps
Allowance Coverage of NPLs673.6x874.8xn/a5.6x5.7x-667.9x
Capital
Tier 1 Leverage Ratio9.00%9.34%9.48%8.72%8.85%-15 bps
Total Risk-Based Capital20.07%21.42%22.24%20.26%18.96%-112 bps
Equity / Assets8.75%9.39%9.34%8.26%8.52%-23 bps
Liquidity & Funding
Loans / Deposits55.30%55.08%52.29%51.18%57.12%+183 bps
Liquid Assets / Assets25.17%25.57%28.61%27.07%19.56%-561 bps
CRE / Total Capitaln/a286%280%315%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 2026-10-10

First National Bank of Coffee County

Douglas, GA · Cert 33506 · Peer group: banks under $1B in assets (n=573-620) · FNC Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

$547.5MAssets
$282.6MLoans
$494.7MDeposits
$46.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: equity / assets trails 82% of banks under $1B in assets (rank 511 of 620).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.10%

Rank 270 of 620

Net Interest Margin

3.57%

Rank 288 of 620

Efficiency Ratio

63.43%

Rank 227 of 620

Equity / Assets

8.52%

Rank 511 of 620

Non-interest income vs. expense

$2.9M$14.3MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 64% of banks under $1B in assets
Bank 63.43%Peer median 68.1%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.60%1.00%1.45%Beats 56%270 / 620
Return on Equity12.95%5.30%9.30%13.29%Beats 73%167 / 620
Net Interest Margin3.57%3.02%3.53%4.04%Beats 54%288 / 620
Efficiency Ratio63.43%58.35%68.08%79.37%Beats 64%227 / 620
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.47%1.27%Beats 62%216 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio17.70%11.27%13.87%18.78%Beats 72%176 / 620
Total Risk-Based Capital Ratio18.96%11.69%14.57%19.67%Beats 73%167 / 620
Equity / Assets8.52%9.03%10.60%13.73%Beats 18%511 / 620
Liquidity & Funding
Loans / Deposits57.12%65.08%79.69%92.47%17th pctl487 / 585
Loans / Assets51.61%51.85%67.17%77.86%24th pctl470 / 620
Brokered Deposits / Depositsn/aNot reported for this institution