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Primesouth Bank

Blackshear, GA · Cert 5694 · Jones Bancshares L P

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 $1B-$10B 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 $1B-$10B in assets (n=311 to 317). 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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

86

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 2026-10-10

Primesouth Bank

Blackshear, GA · Cert 5694 · Jones Bancshares L P

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.6BAssets
$1.3BLoans
$1.3BDeposits
$174.7MEquity
Loan mix
88%RE $1.1B11%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.0B24%Noninterest $0.3BQ2 2025Q2 2026

NIM

6.09%Q2 ’246.21%Q2 ’256.05%Q2 ’26+11%-1%

Non-interest income vs. expense

2.60%Q2 ’242.46%Q2 ’252.44%Q2 ’26-7%-4%

Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 11.3% share · #3 of 14 inst. · $0.4B of $3.4B

12.3% Glynn
61.1% Wayne
71.7% Pierce
25.3% Ware

Executive Summary

  • Earnings: ROA of 1.92%, down 3 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 1.48% of loans (+90 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.03%, up 46 bps from a year ago.
  • Funding: loans stand at 99.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.92%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.53%-2 bps YoY

Efficiency Ratio (YTD, annualized)

45.85%-68 bps YoY

Tier 1 Leverage Ratio

12.03%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.97%1.98%1.87%1.92%-3 bps
Return on Equity18.97%18.97%18.90%17.12%17.55%-143 bps
Net Interest Margin4.55%4.53%4.45%4.57%4.53%-2 bps
Efficiency Ratio46.53%45.68%46.68%47.08%45.85%-68 bps
Non-Interest Burden1.86%1.80%1.82%1.89%1.78%-8 bps
Growth
Asset Growth (YoY)7.51%8.24%9.27%12.42%13.67%+616 bps
Loan Growth (YoY)9.13%11.16%11.16%13.79%16.22%+709 bps
Deposit Growth (YoY)8.84%9.44%7.46%9.31%8.13%-71 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.64%0.74%1.12%1.48%+90 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.05%0.03%+1 bps
Allowance / Loans1.45%1.43%1.45%1.44%1.45%-1 bps
Allowance Coverage of NPLs2.5x2.2x2.0x1.3x1.0x-1.5x
Capital
Tier 1 Leverage Ratio11.57%11.77%11.71%11.95%12.03%+46 bps
Total Risk-Based Capital16.06%15.80%15.91%15.82%15.89%-17 bps
Equity / Assets10.43%10.61%10.98%10.88%10.91%+48 bps
Liquidity & Funding
Loans / Deposits92.48%95.56%96.30%96.59%99.40%+692 bps
Liquid Assets / Assets8.08%7.52%5.96%7.36%7.23%-85 bps
CRE / Total Capitaln/a349%348%360%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 2026-10-10

Primesouth Bank

Blackshear, GA · Cert 5694 · Peer group: banks $1B-$10B in assets (n=311-317) · Jones Bancshares L P

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.6BAssets
$1.3BLoans
$1.3BDeposits
$174.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets (rank 28 of 317).
  • Widest gap: nonperforming loans / loans trails 84% of banks $1B-$10B in assets (rank 261 of 311).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.84%

Rank 37 of 317

Net Interest Margin

4.53%

Rank 28 of 317

Efficiency Ratio

47.03%

Rank 46 of 317

Equity / Assets

10.91%

Rank 131 of 317

Non-interest income vs. expense

$10.0M$37.0MINCOMEEXPENSE
Unfavorable gap of $27.0M · efficiency ratio beats 86% of banks $1B-$10B in assets
Bank 47.03%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.84%0.93%1.22%1.51%Beats 88%37 / 317
Return on Equity16.85%8.63%11.43%14.48%Beats 88%39 / 317
Net Interest Margin4.53%3.06%3.45%3.83%Beats 91%28 / 317
Efficiency Ratio47.03%51.90%59.69%67.53%Beats 86%46 / 317
Asset Quality
Nonperforming Loans / Loans1.48%0.24%0.51%1.14%Beats 16%261 / 311
Net Charge-Offs / Loans0.02%0.01%0.04%0.12%Beats 64%112 / 311
Capital
Tier 1 Capital Ratio14.63%11.75%13.15%15.30%Beats 68%100 / 317
Total Risk-Based Capital Ratio15.89%12.63%14.21%16.26%Beats 72%88 / 317
Equity / Assets10.91%9.06%10.32%11.95%Beats 59%131 / 317
Liquidity & Funding
Loans / Deposits99.40%76.63%88.04%95.67%83rd pctl53 / 312
Loans / Assets82.37%65.41%74.05%79.71%83rd pctl53 / 317
Brokered Deposits / Depositsn/aNot reported for this institution