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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 $27.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $209.9M19%Noninterest $50.1MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.42%Q2 ’255.39%Q2 ’26+2%+4%

Non-interest income vs. expense

2.33%Q2 ’242.49%Q2 ’252.45%Q2 ’26+12%-3%

Executive Summary

  • Earnings: ROA of 1.63%, up 12 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.64% of loans (-13 bps YoY), with net charge-offs at 0.08%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.63%+12 bps YoY

Net Interest Margin (quarter, annualized)

4.04%+14 bps YoY

Efficiency Ratio (quarter, annualized)

52.08%-264 bps YoY

Tier 1 Leverage Ratio

11.26%-8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.74%1.45%1.68%1.63%+12 bps
Return on Equity13.12%14.68%12.55%15.16%14.14%+101 bps
Net Interest Margin3.89%4.06%4.00%3.82%4.04%+14 bps
Efficiency Ratio54.72%51.71%60.50%54.20%52.08%-264 bps
Non-Interest Burden1.81%1.68%2.16%1.72%1.76%-5 bps
Growth
Asset Growth (YoY)7.92%6.33%8.18%9.15%5.23%-269 bps
Loan Growth (YoY)6.21%9.12%7.84%12.17%12.98%+677 bps
Deposit Growth (YoY)7.82%6.50%8.43%9.48%4.96%-287 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.72%0.80%0.74%0.64%-13 bps
Net Charge-Offs / Loans0.02%0.21%0.07%0.04%0.08%+6 bps
Allowance / Loans2.39%2.27%2.24%2.11%2.13%-26 bps
Allowance Coverage of NPLs3.1x3.1x2.8x2.9x3.3x+0.2x
Capital
Tier 1 Leverage Ratio11.34%11.52%10.98%10.86%11.26%-8 bps
Total Risk-Based Capital11.34%11.52%10.98%10.86%11.26%-8 bps
Equity / Assets11.61%12.07%11.03%11.15%11.87%+25 bps
Liquidity & Funding
Loans / Deposits62.45%64.94%60.80%64.64%67.23%+478 bps
Liquid Assets / Assets19.73%22.56%25.61%26.20%26.26%+653 bps
CRE / Total Capitaln/a85.77%89.17%96.55%n/an/a