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Southern Community Bank & Trust

Midlothian, VA · Cert 35111

FDIC · 9 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 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 under $1B in assets (n=547 to 599). 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

56

Q2 2024Q1 2025peer median (50)

Asset Quality

64

Q2 2024Q1 2025peer median (50)

Profitability

31

Q2 2024Q1 2025peer median (50)

Liquidity

26

Q2 2024Q1 2025peer median

Efficiency

7

Q2 2024Q1 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

Southern Community Bank & Trust

Midlothian, VA · Cert 35111

FDIC · 9 branches

Q1 2025

$738.6MAssets
$600.0MLoans
$639.2MDeposits
$84.3MEquity
Loan mix
80%RE $346.0M19%C&I $81.6M1%Consumer $3.8MQ1 2024Q1 2025
Deposit mix
62%Interest-bearing $398.9M38%Noninterest $240.3MQ1 2024Q1 2025

NIM

4.13%Q1 ’235.04%Q1 ’245.24%Q1 ’25+1%+6%

Non-interest income vs. expense

3.11%Q1 ’233.02%Q1 ’244.50%Q1 ’25-11%+83%

Market Position · Richmond, VA · 2024 SOD (annual) · 1.1% share · #10 of 28 inst. · $0.6B of $55.3B

4.4% Chesterfield
5.0% Hanover
1.0% Henrico
11.9% Powhatan

Executive Summary

  • Earnings: ROA of -0.02%, down 112 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.10% of loans (-38 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.64%, up 28 bps from a year ago.
  • Funding: loans stand at 93.87% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.02%-112 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+20 bps YoY

Efficiency Ratio (YTD, annualized)

103.07%+3,560 bps YoY

Tier 1 Leverage Ratio

11.64%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.10%1.06%1.13%1.08%-0.02%-112 bps
Return on Equity10.48%10.08%10.56%10.06%-0.15%-1,063 bps
Net Interest Margin3.62%3.61%3.70%3.73%3.82%+20 bps
Efficiency Ratio67.47%69.32%68.31%70.33%103.07%+3,560 bps
Non-Interest Burden2.17%2.27%2.29%2.40%3.95%+179 bps
Growth
Asset Growth (YoY)1.50%-1.10%4.24%2.63%-0.86%-236 bps
Loan Growth (YoY)10.47%8.98%7.99%7.44%0.28%-1,019 bps
Deposit Growth (YoY)0.32%0.04%3.04%2.26%2.80%+248 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.24%0.32%0.19%0.10%-38 bps
Net Charge-Offs / Loans-0.01%-0.04%-0.03%-0.02%0.00%+1 bps
Allowance / Loans0.60%0.60%0.60%0.59%0.62%+2 bps
Allowance Coverage of NPLs1.2x2.5x1.9x3.1x5.9x+4.6x
Capital
Tier 1 Leverage Ratio11.36%11.33%11.57%11.56%11.64%+28 bps
Total Risk-Based Capital14.13%14.06%14.16%14.45%14.68%+54 bps
Equity / Assets10.46%10.69%11.07%11.06%11.42%+95 bps
Liquidity & Funding
Loans / Deposits96.23%97.34%95.31%100.39%93.87%-236 bps
Liquid Assets / Assets2.82%0.42%1.96%0.75%3.53%+71 bps
CRE / Total Capitaln/an/an/an/an/an/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

Southern Community Bank & Trust

Midlothian, VA · Cert 35111 · Peer group: banks under $1B in assets (n=547-599)

FDIC · 9 branches

Q1 2025

$738.6MAssets
$600.0MLoans
$639.2MDeposits
$84.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 74% of banks under $1B in assets (rank 157 of 598).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets (rank 557 of 598).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

-0.02%

Rank 542 of 599

Net Interest Margin

3.82%

Rank 157 of 598

Efficiency Ratio

103.07%

Rank 557 of 598

Equity / Assets

11.42%

Rank 210 of 598

Non-interest income vs. expense

$4.2M$34.4MINCOMEEXPENSE
Unfavorable gap of $30.2M · efficiency ratio beats 7% of banks under $1B in assets
Bank 103.07%Peer median 70.7%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.02%0.47%0.86%1.38%Beats 10%542 / 599
Return on Equity-0.15%4.56%8.90%12.65%Beats 9%542 / 598
Net Interest Margin3.82%2.82%3.31%3.84%Beats 74%157 / 598
Efficiency Ratio103.07%60.53%70.73%82.91%Beats 7%557 / 598
Asset Quality
Nonperforming Loans / Loans0.10%0.06%0.34%0.91%Beats 70%164 / 547
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 58%234 / 547
Capital
Tier 1 Capital Ratio14.04%11.11%13.78%18.22%Beats 52%290 / 598
Total Risk-Based Capital Ratio14.68%11.62%14.42%19.14%Beats 52%287 / 598
Equity / Assets11.42%8.34%10.07%12.96%Beats 65%210 / 598
Liquidity & Funding
Loans / Deposits93.87%60.71%77.02%90.89%81st pctl104 / 561
Loans / Assets81.24%54.47%67.19%77.36%86th pctl75 / 547
Brokered Deposits / Depositsn/aNot reported for this institution