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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 $7.9MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $217.8M32%Noninterest $103.8MQ2 2025Q2 2026

NIM

5.70%Q2 ’246.13%Q2 ’255.94%Q2 ’26+10%-3%

Non-interest income vs. expense

2.90%Q2 ’243.02%Q2 ’253.02%Q2 ’26+6%+0%

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 1.47%, unchanged from a year ago; NIM at 4.57%.
  • Asset quality: problem loans at 1.25% of loans (+64 bps YoY), with net charge-offs at 0.17%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.47%0 bps YoY

Net Interest Margin (quarter, annualized)

4.57%-12 bps YoY

Efficiency Ratio (quarter, annualized)

61.28%+163 bps YoY

Tier 1 Leverage Ratio

13.67%+50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.58%1.61%1.35%1.47%0 bps
Return on Equity11.88%12.29%12.14%10.21%11.08%-80 bps
Net Interest Margin4.69%4.76%4.66%4.40%4.57%-12 bps
Efficiency Ratio59.65%59.29%58.04%63.00%61.28%+163 bps
Non-Interest Burden2.64%2.64%2.54%2.64%2.65%+1 bps
Growth
Asset Growth (YoY)0.94%-2.76%-1.76%0.76%0.30%-64 bps
Loan Growth (YoY)1.54%-1.52%-3.01%-7.54%-4.76%-631 bps
Deposit Growth (YoY)-0.05%-4.08%-3.33%-0.24%-0.82%-78 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.50%1.51%1.35%1.25%+64 bps
Net Charge-Offs / Loans0.39%-0.06%0.21%0.01%0.17%-21 bps
Allowance / Loans1.17%1.25%1.26%1.31%1.26%+8 bps
Allowance Coverage of NPLs1.9x2.5x0.8x1.0x1.0x-0.9x
Capital
Tier 1 Leverage Ratio13.17%13.55%14.08%13.61%13.67%+50 bps
Total Risk-Based Capital13.17%13.55%14.08%13.61%13.67%+50 bps
Equity / Assets12.51%13.22%13.34%13.16%13.40%+89 bps
Liquidity & Funding
Loans / Deposits82.70%83.64%78.15%75.38%79.41%-328 bps
Liquid Assets / Assets2.47%2.74%8.70%9.11%5.59%+312 bps
CRE / Total Capitaln/a89.31%91.13%87.24%n/an/a