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Georgia Community Bank

Albany, GA · Cert 35320 · Georgia Community Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 operating in a single state (n=743 to 746). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer 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

Georgia Community Bank

Albany, GA · Cert 35320 · Georgia Community Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$375.0MAssets
$255.4MLoans
$321.7MDeposits
$50.2MEquity
Loan mix
85%RE $198.2M11%C&I $25.8M3%Consumer $7.9MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $217.8M32%Noninterest $103.8MQ3 2024Q2 2026

Market Position · Albany, GA · 2026 SOD (annual) · 5.3% share · #9 of 15 inst. · $0.2B of $3.3B

47.6% Terrell
24.4% Seminole
2.1% Dougherty
34.7% Taylor

Executive Summary

  • Earnings: ROA of 1.42%, up 5 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 1.25% of loans (+64 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 13.67%, up 50 bps from a year ago.
  • Funding: loans stand at 79.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.42%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.53%-2 bps YoY

Efficiency Ratio (YTD, annualized)

62.13%+92 bps YoY

Tier 1 Leverage Ratio

13.67%+50 bps YoY

NIM

5.67%Q2 ’246.02%Q2 ’255.90%Q2 ’26+6%0%

Non-interest income vs. expense

2.87%Q2 ’243.01%Q2 ’253.03%Q2 ’26+7%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.27%1.25%1.36%1.43%1.48%1.35%1.42%+5 bps
Return on Equity9.57%10.76%10.29%11.11%11.48%11.66%10.21%10.64%-47 bps
Net Interest Margin4.38%4.25%4.30%4.54%4.66%4.66%4.40%4.53%-2 bps
Efficiency Ratio61.25%60.45%62.86%61.21%60.55%59.93%63.00%62.13%+92 bps
Non-Interest Burden2.52%2.37%2.55%2.62%2.66%2.63%2.64%2.67%+4 bps
Growth
Asset Growth (YoY)1.45%2.00%-0.59%0.94%-2.76%-1.76%0.76%0.30%-64 bps
Loan Growth (YoY)8.58%5.34%6.69%1.54%-1.52%-3.01%-7.54%-4.76%-631 bps
Deposit Growth (YoY)-0.42%1.39%-1.57%-0.05%-4.08%-3.33%-0.24%-0.82%-78 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.26%0.81%0.61%0.50%1.51%1.35%1.25%+64 bps
Net Charge-Offs / Loans0.50%0.41%0.04%0.22%0.13%0.15%0.01%0.09%-12 bps
Allowance / Loans1.18%1.18%1.20%1.17%1.25%1.26%1.31%1.26%+8 bps
Allowance Coverage of NPLs3.3x4.6x1.5x1.9x2.5x0.8x1.0x1.0x-0.9x
Capital
Tier 1 Leverage Ratio12.84%12.84%13.02%13.17%13.55%14.08%13.61%13.67%+50 bps
Total Risk-Based Capital12.84%12.84%13.02%13.17%13.55%14.08%13.61%13.67%+50 bps
Equity / Assets12.05%11.89%12.34%12.51%13.22%13.34%13.16%13.40%+89 bps
Liquidity & Funding
Loans / Deposits81.47%77.90%81.34%82.70%83.64%78.15%75.38%79.41%-328 bps
Liquid Assets / Assets3.68%9.46%2.34%2.47%2.74%8.70%9.11%5.59%+312 bps
CRE / Total Capitaln/an/an/an/a89.31%91.13%87.24%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

Georgia Community Bank

Albany, GA · Cert 35320 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Georgia Community Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$375.0MAssets
$255.4MLoans
$321.7MDeposits
$50.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets operating in a single state (rank 87 of 746).
  • Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets operating in a single state (rank 580 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.43%

Rank 194 of 746

Net Interest Margin

4.53%

Rank 87 of 746

Efficiency Ratio

62.13%

Rank 323 of 746

Equity / Assets

13.40%

Rank 166 of 746

Non-interest income vs. expense

$1.4M$11.6MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state
Bank 62.13%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.43%0.72%1.06%1.45%Beats 74%194 / 746
Return on Equity10.70%6.74%10.51%13.63%Beats 52%359 / 746
Net Interest Margin4.53%3.17%3.68%4.16%Beats 88%87 / 746
Efficiency Ratio62.13%55.74%64.58%75.47%Beats 57%323 / 746
Asset Quality
Nonperforming Loans / Loans1.25%0.09%0.42%1.07%Beats 22%584 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 22%580 / 743
Capital
Tier 1 Capital Ratio13.67%11.55%13.75%17.60%Beats 49%377 / 746
Total Risk-Based Capital Ratio13.67%11.71%14.33%18.43%Beats 44%417 / 746
Equity / Assets13.40%8.90%10.51%13.06%Beats 78%166 / 746
Liquidity & Funding
Loans / Deposits79.41%61.31%78.27%90.78%52nd pctl358 / 746
Loans / Assets68.12%53.60%66.97%76.08%53rd pctl353 / 746
Brokered Deposits / Depositsn/aNot reported for this institution