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Community Banking Company

Fitzgerald, GA · Cert 34160 · CBC Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

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 in GA (n=58 to 59). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

73

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

Community Banking Company

Fitzgerald, GA · Cert 34160 · CBC Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$297.3MAssets
$174.7MLoans
$259.9MDeposits
$35.3MEquity
Loan mix
77%RE $132.2M8%C&I $13.5M16%Consumer $27.1MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $209.9M19%Noninterest $50.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.66%, up 16 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.64% of loans (-13 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.26%, down 8 bps from a year ago.
  • Funding: loans stand at 67.23% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.66%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+13 bps YoY

Efficiency Ratio (YTD, annualized)

53.12%-181 bps YoY

Tier 1 Leverage Ratio

11.26%-8 bps YoY

NIM

5.43%Q2 ’245.35%Q2 ’255.32%Q2 ’26-2%+4%

Non-interest income vs. expense

2.26%Q2 ’242.43%Q2 ’252.46%Q2 ’26+12%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.64%1.49%1.50%1.58%1.54%1.68%1.66%+16 bps
Return on Equity14.90%14.33%13.19%13.13%13.65%13.42%15.16%14.63%+149 bps
Net Interest Margin3.86%3.73%3.69%3.79%3.83%3.80%3.82%3.93%+13 bps
Efficiency Ratio49.25%53.03%55.15%54.93%53.77%55.51%54.20%53.12%-181 bps
Non-Interest Burden1.55%1.66%1.74%1.78%1.72%1.80%1.72%1.74%-4 bps
Growth
Asset Growth (YoY)6.53%10.09%3.53%7.92%6.33%8.18%9.15%5.23%-269 bps
Loan Growth (YoY)2.22%5.67%6.69%6.21%9.12%7.84%12.17%12.98%+677 bps
Deposit Growth (YoY)6.07%10.41%2.87%7.82%6.50%8.43%9.48%4.96%-287 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.86%0.80%0.77%0.72%0.80%0.74%0.64%-13 bps
Net Charge-Offs / Loans0.07%0.06%0.07%0.04%0.10%0.09%0.04%0.06%+2 bps
Allowance / Loans2.60%2.43%2.37%2.39%2.27%2.24%2.11%2.13%-26 bps
Allowance Coverage of NPLs4.0x2.8x3.0x3.1x3.1x2.8x2.9x3.3x+0.2x
Capital
Tier 1 Leverage Ratio11.61%11.12%10.94%11.34%11.52%10.98%10.86%11.26%-8 bps
Total Risk-Based Capital11.61%11.12%10.94%11.34%11.52%10.98%10.86%11.26%-8 bps
Equity / Assets11.96%11.24%11.34%11.61%12.07%11.03%11.15%11.87%+25 bps
Liquidity & Funding
Loans / Deposits63.38%61.13%63.09%62.45%64.94%60.80%64.64%67.23%+478 bps
Liquid Assets / Assets22.06%21.51%19.17%19.73%22.56%25.61%26.20%26.26%+653 bps
CRE / Total Capitaln/an/an/an/a85.77%89.17%96.55%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

Community Banking Company

Fitzgerald, GA · Cert 34160 · Peer group: banks under $1B in assets in GA (n=58-59) · CBC Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$297.3MAssets
$174.7MLoans
$259.9MDeposits
$35.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of banks under $1B in assets in GA (rank 17 of 59).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets in GA (rank 50 of 59).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.68%

Rank 17 of 59

Net Interest Margin

3.93%

Rank 38 of 59

Efficiency Ratio

53.12%

Rank 17 of 59

Equity / Assets

11.87%

Rank 28 of 59

Non-interest income vs. expense

$2.2M$7.4MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 73% of banks under $1B in assets in GA
Bank 53.12%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.68%0.94%1.46%1.76%Beats 71%17 / 59
Return on Equity14.18%7.92%11.60%15.10%Beats 66%20 / 59
Net Interest Margin3.93%3.66%4.24%4.75%Beats 36%38 / 59
Efficiency Ratio53.12%51.87%60.25%70.24%Beats 73%17 / 59
Asset Quality
Nonperforming Loans / Loans0.64%0.10%0.36%0.89%Beats 36%38 / 58
Net Charge-Offs / Loans0.05%0.00%0.02%0.05%Beats 29%42 / 58
Capital
Tier 1 Capital Ratio11.26%11.93%15.65%21.05%Beats 17%49 / 59
Total Risk-Based Capital Ratio11.26%12.05%15.77%22.26%Beats 15%50 / 59
Equity / Assets11.87%9.10%11.51%14.32%Beats 53%28 / 59
Liquidity & Funding
Loans / Deposits67.23%59.62%72.81%85.44%40th pctl35 / 58
Loans / Assets58.78%49.55%64.39%73.73%41st pctl35 / 59
Brokered Deposits / Depositsn/aNot reported for this institution