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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=581 to 629). 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

60

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

62

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 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 $4.4MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $360.9M27%Noninterest $133.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.94%1.16%1.28%1.24%1.22%1.09%1.12%-16 bps
Return on Equity10.33%11.23%13.94%15.13%14.31%13.78%12.36%12.89%-224 bps
Net Interest Margin3.12%3.07%3.34%3.49%3.50%3.47%3.53%3.57%+9 bps
Efficiency Ratio67.03%65.14%59.33%56.23%57.95%59.73%63.74%63.43%+721 bps
Non-Interest Burden1.92%1.83%1.81%1.74%1.81%1.85%2.05%2.08%+33 bps
Growth
Asset Growth (YoY)7.44%12.60%9.32%3.74%4.96%2.91%9.68%8.81%+508 bps
Loan Growth (YoY)16.50%9.53%2.40%0.19%-4.82%-4.61%2.37%12.64%+1,245 bps
Deposit Growth (YoY)7.09%13.05%9.28%2.81%4.24%1.54%9.61%9.04%+623 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.00%0.00%0.00%0.00%0.00%0.26%0.24%+24 bps
Net Charge-Offs / Loans0.00%0.04%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.20%1.22%1.29%1.34%1.44%1.49%1.46%1.37%+3 bps
Allowance Coverage of NPLs32.0xn/an/a673.6x874.8xn/a5.6x5.7x-667.9x
Capital
Tier 1 Leverage Ratio8.84%8.73%8.23%9.00%9.34%9.48%8.72%8.85%-15 bps
Total Risk-Based Capital18.44%19.22%19.27%20.07%21.42%22.24%20.26%18.96%-112 bps
Equity / Assets8.84%8.31%8.29%8.75%9.39%9.34%8.26%8.52%-23 bps
Liquidity & Funding
Loans / Deposits60.33%55.66%54.80%55.30%55.08%52.29%51.18%57.12%+183 bps
Liquid Assets / Assets28.10%32.38%30.74%25.17%25.57%28.61%27.07%19.56%-561 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

First National Bank of Coffee County

Douglas, GA · Cert 33506 · Peer group: banks under $1B in assets (n=581-629) · 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 158 of 581).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets (rank 520 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.10%

Rank 280 of 629

Net Interest Margin

3.57%

Rank 298 of 629

Efficiency Ratio

63.43%

Rank 237 of 629

Equity / Assets

8.52%

Rank 520 of 629

Non-interest income vs. expense

$2.9M$14.3MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 62% of banks under $1B in assets
Bank 63.43%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.10%0.60%1.01%1.45%Beats 55%280 / 629
Return on Equity12.95%5.38%9.30%13.28%Beats 73%169 / 629
Net Interest Margin3.57%3.03%3.54%4.05%Beats 53%298 / 629
Efficiency Ratio63.43%58.35%67.79%79.08%Beats 62%237 / 629
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.46%1.20%Beats 62%224 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio17.70%11.24%13.84%18.77%Beats 72%176 / 629
Total Risk-Based Capital Ratio18.96%11.58%14.43%19.66%Beats 73%169 / 629
Equity / Assets8.52%9.09%10.65%13.80%Beats 17%520 / 629
Liquidity & Funding
Loans / Deposits57.12%67.24%80.90%93.48%15th pctl502 / 594
Loans / Assets51.61%53.31%67.71%78.15%22nd pctl488 / 629
Brokered Deposits / Depositsn/aNot reported for this institution