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Quantum National Bank

Suwanee, GA · Cert 34110

FDIC · 3 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Quantum National Bank

Suwanee, GA · Cert 34110

FDIC · 3 branches

Q4 2022

$663.6MAssets
$579.5MLoans
$591.5MDeposits
$69.2MEquity
Loan mix
91%RE $343.6M9%C&I $33.5M0%Consumer $0.2MQ4 2021Q4 2022
Deposit mix
68%Interest-bearing $401.1M32%Noninterest $190.4MQ4 2021Q4 2022

NIM

4.93%Q4 ’204.83%Q4 ’215.18%Q4 ’22-2%+4%

Non-interest income vs. expense

2.26%Q4 ’202.37%Q4 ’212.15%Q4 ’22-12%+19%

Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2022 SOD (annual) · 0.2% share · #30 of 83 inst. · $0.6B of $244.2B

2.2% Gwinnett
0.0% Fulton

Executive Summary

  • Earnings: ROA of 2.40%, down 99 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.79%, up 55 bps from a year ago.
  • Funding: loans stand at 97.98% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

2.40%-99 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+17 bps YoY

Efficiency Ratio (YTD, annualized)

40.90%-148 bps YoY

Tier 1 Leverage Ratio

10.79%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets3.39%1.84%2.00%2.18%2.40%-99 bps
Return on Equity33.65%18.65%20.07%21.70%23.66%-1,000 bps
Net Interest Margin4.70%4.18%4.36%4.58%4.87%+17 bps
Efficiency Ratio42.38%47.82%45.78%43.58%40.90%-148 bps
Non-Interest Burden1.48%1.86%1.81%1.80%1.75%+28 bps
Growth
Asset Growth (YoY)5.57%6.49%7.28%5.82%3.36%-221 bps
Loan Growth (YoY)2.57%1.04%4.63%5.72%5.26%+269 bps
Deposit Growth (YoY)12.54%6.66%7.28%5.77%2.95%-959 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.05%1.06%1.06%1.03%1.03%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.24%10.00%10.19%10.35%10.79%+55 bps
Total Risk-Based Capital14.32%14.56%14.21%14.07%14.37%+5 bps
Equity / Assets9.99%9.70%10.21%10.30%10.43%+44 bps
Liquidity & Funding
Loans / Deposits95.82%89.68%95.78%98.04%97.98%+216 bps
Liquid Assets / Assets10.09%15.12%10.40%8.40%8.69%-140 bps
CRE / Total Capitaln/an/an/an/an/an/an/a