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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

$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