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Letter portraitLegal landscapeQuarterYTD

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