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Letter portraitLegal landscapeQuarterYTD

Citizens Bank of Georgia, The

Cumming, GA · Cert 34229 · Forsyth Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$598.5MAssets
$326.2MLoans
$531.3MDeposits
$65.5MEquity
Loan mix
91%RE $295.3M7%C&I $22.5M2%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $321.7M39%Noninterest $209.6MQ3 2024Q2 2026

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #32 of 81 inst. · $0.5B of $255.1B

6.5% Forsyth
0.9% Cherokee

Executive Summary

  • Earnings: ROA of 1.86%, up 28 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.49%, up 100 bps from a year ago.
  • Funding: loans stand at 61.39% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.86%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+32 bps YoY

Efficiency Ratio (YTD, annualized)

38.70%-630 bps YoY

Tier 1 Leverage Ratio

11.49%+100 bps YoY

NIM

4.59%Q2 ’244.80%Q2 ’255.04%Q2 ’26+8%+9%

Non-interest income vs. expense

1.74%Q2 ’241.70%Q2 ’251.58%Q2 ’26-1%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.43%1.51%1.58%1.65%1.73%1.79%1.86%+28 bps
Return on Equity16.59%16.94%17.06%17.42%17.92%18.47%17.76%17.94%+52 bps
Net Interest Margin3.37%3.36%3.59%3.59%3.61%3.62%3.83%3.91%+32 bps
Efficiency Ratio48.16%48.14%46.56%44.99%42.91%41.83%39.43%38.70%-630 bps
Non-Interest Burden1.52%1.52%1.56%1.51%1.44%1.41%1.40%1.40%-11 bps
Growth
Asset Growth (YoY)4.81%7.20%8.16%8.32%12.55%10.99%6.81%1.41%-691 bps
Loan Growth (YoY)1.45%1.46%1.92%6.91%11.53%10.93%14.41%10.73%+381 bps
Deposit Growth (YoY)2.36%6.38%6.90%6.82%12.01%9.51%5.41%-0.31%-713 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.01%0.01%0.01%0.02%-0.01%-2 bps
Allowance / Loans1.40%1.39%1.40%1.36%1.31%1.32%1.31%1.33%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.43%10.19%10.48%10.49%10.60%10.50%10.95%11.49%+100 bps
Total Risk-Based Capital18.99%18.30%18.82%18.56%18.53%18.60%19.26%19.95%+139 bps
Equity / Assets9.25%8.70%8.99%9.47%9.72%9.97%10.16%10.94%+147 bps
Liquidity & Funding
Loans / Deposits56.78%56.90%53.75%55.27%56.54%57.64%58.33%61.39%+612 bps
Liquid Assets / Assets7.47%6.07%9.84%6.58%6.91%6.54%5.82%3.37%-321 bps
CRE / Total Capitaln/an/an/an/a331%327%318%n/an/a