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Bank of Brewton

Brewton, AL · Cert 5605 · Repton Supply Co. 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 assets3

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 (n=581 to 629). 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

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

Bank of Brewton

Brewton, AL · Cert 5605 · Repton Supply Co. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$49.6MAssets
$15.2MLoans
$40.3MDeposits
$9.3MEquity
Loan mix
45%RE $5.3M44%C&I $5.2M12%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $23.8M41%Noninterest $16.5MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.19%Q2 ’254.28%Q2 ’26-9%+5%

Non-interest income vs. expense

4.22%Q2 ’243.76%Q2 ’253.27%Q2 ’26-17%-17%

Executive Summary

  • Earnings: ROA of 1.14%, up 105 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.57%, up 36 bps from a year ago.
  • Funding: loans stand at 37.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+105 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+20 bps YoY

Efficiency Ratio (YTD, annualized)

75.57%-1,672 bps YoY

Tier 1 Leverage Ratio

20.57%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.39%0.46%0.99%1.14%+105 bps
Return on Equity0.48%2.16%2.52%5.36%6.13%+565 bps
Net Interest Margin3.59%3.66%3.72%3.86%3.79%+20 bps
Efficiency Ratio92.28%87.46%91.44%77.67%75.57%-1,672 bps
Non-Interest Burden3.28%3.14%3.36%2.93%2.73%-55 bps
Growth
Asset Growth (YoY)2.87%5.59%6.06%8.81%4.49%+162 bps
Loan Growth (YoY)0.53%-7.62%3.28%-18.81%-18.30%-1,883 bps
Deposit Growth (YoY)2.95%7.61%4.49%9.04%3.71%+76 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.74%1.90%1.26%1.62%1.51%-24 bps
Allowance Coverage of NPLsn/an/a114.5xn/an/an/a
Capital
Tier 1 Leverage Ratio20.21%20.38%20.51%20.30%20.57%+36 bps
Total Risk-Based Capital20.21%20.38%20.51%20.30%20.57%+36 bps
Equity / Assets17.82%18.35%19.31%17.72%18.66%+83 bps
Liquidity & Funding
Loans / Deposits47.80%43.64%48.37%34.05%37.66%-1,014 bps
Liquid Assets / Assets1.05%1.04%1.07%0.99%0.00%-105 bps
CRE / Total Capitaln/a20.47%28.93%28.19%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

Bank of Brewton

Brewton, AL · Cert 5605 · Peer group: banks under $1B in assets (n=581-629) · Repton Supply Co. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$49.6MAssets
$15.2MLoans
$40.3MDeposits
$9.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 72% of banks under $1B in assets (rank 452 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.13%

Rank 269 of 629

Net Interest Margin

3.79%

Rank 237 of 629

Efficiency Ratio

75.57%

Rank 429 of 629

Equity / Assets

18.66%

Rank 87 of 629

Non-interest income vs. expense

$0.3M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 32% of banks under $1B in assets
Bank 75.57%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.60%1.01%1.45%Beats 57%269 / 629
Return on Equity6.03%5.38%9.30%13.28%Beats 28%452 / 629
Net Interest Margin3.79%3.03%3.54%4.05%Beats 62%237 / 629
Efficiency Ratio75.57%58.35%67.79%79.08%Beats 32%429 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio20.57%11.24%13.84%18.77%Beats 79%132 / 629
Total Risk-Based Capital Ratio20.57%11.58%14.43%19.66%Beats 78%140 / 629
Equity / Assets18.66%9.09%10.65%13.80%Beats 86%87 / 629
Liquidity & Funding
Loans / Deposits37.66%67.24%80.90%93.48%6th pctl561 / 594
Loans / Assets30.61%53.31%67.71%78.15%11th pctl559 / 629
Brokered Deposits / Depositsn/aNot reported for this institution