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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 $27.1MQ3 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