PackageTrendsPeer
Letter portraitLegal landscape

First Intercontinental Bank

Doraville, GA · Cert 34998

FDIC · 10 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=174). 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

89

Q2 2024Q3 2025peer median (50)

Asset Quality

41

Q2 2024Q3 2025peer median (50)

Profitability

86

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

91

Q2 2024Q3 2025peer 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

First Intercontinental Bank

Doraville, GA · Cert 34998

FDIC · 10 branches

Q3 2025

$1.2BAssets
$1.1BLoans
$917.8MDeposits
$149.2MEquity
Loan mix
98%RE $1.0B2%C&I $0.0B0%Consumer $0.0BQ3 2024Q3 2025
Deposit mix
74%Interest-bearing $675.7M26%Noninterest $242.1MQ3 2024Q3 2025

NIM

6.43%Q3 ’236.99%Q3 ’246.79%Q3 ’25-1%-1%

Non-interest income vs. expense

2.21%Q3 ’232.34%Q3 ’242.31%Q3 ’25+7%+20%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.3% share · #26 of 80 inst. · $0.8B of $246.0B

1.6% Gwinnett
2.1% DeKalb
0.1% Fulton
0.0% Dallas

Executive Summary

  • Earnings: ROA of 1.68%, down 44 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.66% of loans (+47 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 12.61%, up 76 bps from a year ago.
  • Funding: loans stand at 114.41% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.68%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-5 bps YoY

Efficiency Ratio (YTD, annualized)

48.32%+296 bps YoY

Tier 1 Leverage Ratio

12.61%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets2.12%2.11%1.78%1.67%1.68%-44 bps
Return on Equity18.82%18.46%15.03%14.25%14.24%-458 bps
Net Interest Margin4.32%4.26%4.21%4.14%4.26%-5 bps
Efficiency Ratio45.36%45.74%48.71%48.91%48.32%+296 bps
Non-Interest Burden1.50%1.53%1.77%1.76%1.79%+30 bps
Growth
Asset Growth (YoY)3.26%3.17%6.86%9.73%2.25%-101 bps
Loan Growth (YoY)5.23%8.28%12.62%10.35%8.69%+346 bps
Deposit Growth (YoY)1.86%2.24%3.25%1.75%-7.71%-957 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.37%0.39%0.74%0.66%+47 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.00%0.12%+12 bps
Allowance / Loans1.25%1.20%1.15%1.19%1.18%-7 bps
Allowance Coverage of NPLs6.8x3.2x2.9x1.6x1.8x-5.0x
Capital
Tier 1 Leverage Ratio11.86%12.18%12.03%11.96%12.61%+76 bps
Total Risk-Based Capital18.77%19.20%17.99%18.06%19.15%+38 bps
Equity / Assets11.47%12.14%11.54%11.43%12.00%+53 bps
Liquidity & Funding
Loans / Deposits97.15%102.09%106.87%112.33%114.41%+1,726 bps
Liquid Assets / Assets14.47%11.08%9.20%9.55%10.25%-423 bps
CRE / Total Capitaln/an/an/an/a494%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

First Intercontinental Bank

Doraville, GA · Cert 34998 · Peer group: banks $1B-$10B in assets operating regionally (n=174)

FDIC · 10 branches

Q3 2025

$1.2BAssets
$1.1BLoans
$917.8MDeposits
$149.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 174).
  • Widest gap: nonperforming loans / loans trails 60% of banks $1B-$10B in assets operating regionally (rank 106 of 174).
  • Overall: at or above the peer median on 7 of 10 directional measures.

Return on Assets

1.66%

Rank 21 of 174

Net Interest Margin

4.26%

Rank 16 of 174

Efficiency Ratio

48.32%

Rank 17 of 174

Equity / Assets

12.00%

Rank 35 of 174

Non-interest income vs. expense

$6.2M$27.7MINCOMEEXPENSE
Unfavorable gap of $21.5M · efficiency ratio beats 91% of banks $1B-$10B in assets operating regionally
Bank 48.32%Peer median 60.5%Q4 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.81%1.08%1.39%Beats 88%21 / 174
Return on Equity13.82%8.55%10.86%13.60%Beats 78%38 / 174
Net Interest Margin4.26%2.90%3.35%3.74%Beats 91%16 / 174
Efficiency Ratio48.32%53.74%60.54%68.04%Beats 91%17 / 174
Asset Quality
Nonperforming Loans / Loans0.66%0.29%0.55%1.00%Beats 40%106 / 174
Net Charge-Offs / Loans0.09%0.02%0.06%0.17%Beats 41%104 / 174
Capital
Tier 1 Capital Ratio17.90%11.17%12.51%14.08%Beats 93%13 / 174
Total Risk-Based Capital Ratio19.15%12.03%13.65%15.16%Beats 93%12 / 174
Equity / Assets12.00%9.00%10.19%11.58%Beats 80%35 / 174
Liquidity & Funding
Loans / Deposits114.41%81.52%88.01%96.28%98th pctl3 / 174
Loans / Assets84.48%68.61%74.60%80.06%93rd pctl13 / 174
Brokered Deposits / Deposits3.27%n/a2.76%7.08%Beats 45%96 / 174