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Community Bank of Pickens County

Jasper, GA · Cert 35513 · Community Banks of Georgia Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

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 in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

100

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

Community Bank of Pickens County

Jasper, GA · Cert 35513 · Community Banks of Georgia Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$628.6MAssets
$489.4MLoans
$537.8MDeposits
$86.1MEquity
Loan mix
94%RE $444.5M4%C&I $20.4M2%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $431.6M20%Noninterest $106.2MQ2 2025Q2 2026

NIM

6.41%Q2 ’246.96%Q2 ’256.29%Q2 ’26+10%-11%

Non-interest income vs. expense

2.02%Q2 ’242.11%Q2 ’251.89%Q2 ’26-8%+4%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #31 of 81 inst. · $0.5B of $255.1B

Executive Summary

  • Earnings: ROA of 2.35%, down 37 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 1.96% of loans (+72 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 13.55%, down 19 bps from a year ago.
  • Funding: loans stand at 90.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.35%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.50%-54 bps YoY

Efficiency Ratio (YTD, annualized)

38.12%+158 bps YoY

Tier 1 Leverage Ratio

13.55%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.73%2.68%2.58%2.28%2.35%-37 bps
Return on Equity20.89%20.50%19.69%17.12%17.49%-340 bps
Net Interest Margin5.05%4.96%4.86%4.38%4.50%-54 bps
Efficiency Ratio36.54%35.98%35.45%38.42%38.12%+158 bps
Non-Interest Burden1.39%1.38%1.37%1.35%1.44%+5 bps
Growth
Asset Growth (YoY)8.50%9.57%8.06%7.50%5.62%-288 bps
Loan Growth (YoY)10.35%7.77%7.54%8.66%7.74%-261 bps
Deposit Growth (YoY)7.43%8.93%7.50%6.95%5.77%-166 bps
Asset Quality
Nonperforming Loans / Loans1.24%1.20%2.11%2.12%1.96%+72 bps
Net Charge-Offs / Loans0.00%0.00%0.27%-0.02%-0.04%-4 bps
Allowance / Loans1.25%1.30%1.13%1.14%1.12%-13 bps
Allowance Coverage of NPLs1.0x1.1x0.5x0.5x0.6x-0.4x
Capital
Tier 1 Leverage Ratio13.74%13.21%13.42%13.64%13.55%-19 bps
Total Risk-Based Capital20.72%20.57%20.29%20.79%20.13%-59 bps
Equity / Assets13.69%13.06%13.17%13.51%13.69%+1 bps
Liquidity & Funding
Loans / Deposits89.33%86.14%86.30%86.42%90.99%+166 bps
Liquid Assets / Assets11.00%13.67%11.35%10.96%5.17%-583 bps
CRE / Total Capitaln/a421%425%410%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

Community Bank of Pickens County

Jasper, GA · Cert 35513 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Community Banks of Georgia Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$628.6MAssets
$489.4MLoans
$537.8MDeposits
$86.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 1 of 20).
  • Widest gap: nonperforming loans / loans trails 79% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 16 of 19).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.37%

Rank 3 of 20

Net Interest Margin

4.50%

Rank 5 of 20

Efficiency Ratio

38.12%

Rank 1 of 20

Equity / Assets

13.69%

Rank 4 of 20

Non-interest income vs. expense

$2.9M$12.0MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 38.12%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.37%1.08%1.42%1.85%Beats 85%3 / 20
Return on Equity17.30%9.57%13.48%17.30%Beats 75%5 / 20
Net Interest Margin4.50%3.38%3.99%4.50%Beats 75%5 / 20
Efficiency Ratio38.12%47.39%61.42%73.60%Beats 100%1 / 20
Asset Quality
Nonperforming Loans / Loans1.96%0.05%0.79%1.63%Beats 21%16 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio18.94%13.64%16.79%19.57%Beats 70%6 / 20
Total Risk-Based Capital Ratio20.13%14.77%17.61%20.82%Beats 70%6 / 20
Equity / Assets13.69%9.66%10.94%13.62%Beats 80%4 / 20
Liquidity & Funding
Loans / Deposits90.99%70.35%84.66%95.83%70th pctl6 / 20
Loans / Assets77.86%62.58%72.89%77.86%75th pctl5 / 20
Brokered Deposits / Depositsn/aNot reported for this institution