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Bank of Wrightsville

Wrightsville, GA · Cert 5699

FDIC · 1 branch

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 GA (n=61 to 62). 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

24

Q2 2024Q4 2025peer median (50)

Asset Quality

92

Q2 2024Q4 2025peer median (50)

Profitability

62

Q2 2024Q4 2025peer median (50)

Liquidity

51

Q2 2024Q4 2025peer median

Efficiency

79

Q2 2024Q4 2025peer 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 Wrightsville

Wrightsville, GA · Cert 5699

FDIC · 1 branch

Q4 2025

$98.2MAssets
$48.7MLoans
$88.6MDeposits
$8.8MEquity
Loan mix
80%RE $38.0M17%C&I $8.0M3%Consumer $1.3MQ4 2024Q4 2025
Deposit mix
64%Interest-bearing $56.4M36%Noninterest $32.2MQ4 2024Q4 2025

NIM

4.65%Q4 ’235.15%Q4 ’245.17%Q4 ’25-2%+5%

Non-interest income vs. expense

2.18%Q4 ’232.15%Q4 ’242.11%Q4 ’25-1%0%

Executive Summary

  • Earnings: ROA of 1.54%, up 14 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.21%, up 63 bps from a year ago.
  • Funding: loans stand at 54.92% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.54%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+17 bps YoY

Efficiency Ratio (YTD, annualized)

52.54%-290 bps YoY

Tier 1 Leverage Ratio

11.21%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.40%1.36%1.48%1.59%1.54%+14 bps
Return on Equity22.19%20.36%21.99%22.25%20.51%-168 bps
Net Interest Margin3.61%3.54%3.57%3.65%3.78%+17 bps
Efficiency Ratio55.44%55.70%52.90%50.72%52.54%-290 bps
Non-Interest Burden1.88%1.88%1.78%1.74%1.88%-1 bps
Growth
Asset Growth (YoY)5.62%10.93%13.82%9.33%7.13%+151 bps
Loan Growth (YoY)0.94%0.49%6.74%12.39%14.37%+1,343 bps
Deposit Growth (YoY)4.60%9.34%12.76%8.44%4.35%-25 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.05%0.05%+5 bps
Net Charge-Offs / Loans0.04%0.00%0.00%-0.01%0.07%+3 bps
Allowance / Loans1.23%1.20%1.11%1.06%1.01%-22 bps
Allowance Coverage of NPLsn/an/an/a22.9x22.3xn/a
Capital
Tier 1 Leverage Ratio10.58%9.93%9.99%10.44%11.21%+63 bps
Total Risk-Based Capital10.58%9.93%9.99%10.44%11.21%+63 bps
Equity / Assets6.60%6.71%6.88%8.41%8.98%+238 bps
Liquidity & Funding
Loans / Deposits50.11%48.13%49.99%55.68%54.92%+481 bps
Liquid Assets / Assets18.45%22.75%22.68%17.87%19.98%+153 bps
CRE / Total Capitaln/an/an/a236%223%n/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 Wrightsville

Wrightsville, GA · Cert 5699 · Peer group: banks under $1B in assets in GA (n=61-62)

FDIC · 1 branch

Q4 2025

$98.2MAssets
$48.7MLoans
$88.6MDeposits
$8.8MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in GA (rank 45 of 61).
  • Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets in GA (rank 49 of 62).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 21 of 62

Net Interest Margin

3.78%

Rank 43 of 62

Efficiency Ratio

52.54%

Rank 14 of 62

Equity / Assets

8.98%

Rank 45 of 62

Non-interest income vs. expense

$0.2M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 79% of banks under $1B in assets in GA
Bank 52.54%Peer median 60.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.80%1.35%1.59%Beats 66%21 / 62
Return on Equity17.08%8.27%12.23%14.80%Beats 90%6 / 62
Net Interest Margin3.78%3.33%4.17%4.64%Beats 31%43 / 62
Efficiency Ratio52.54%53.85%60.45%70.19%Beats 79%14 / 62
Asset Quality
Nonperforming Loans / Loans0.05%0.17%0.51%1.16%Beats 92%6 / 61
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.21%11.74%15.08%20.01%Beats 23%48 / 62
Total Risk-Based Capital Ratio11.21%12.04%15.68%21.23%Beats 21%49 / 62
Equity / Assets8.98%8.90%11.03%13.44%Beats 27%45 / 62
Liquidity & Funding
Loans / Deposits54.92%58.76%66.72%81.56%18th pctl50 / 61
Loans / Assets49.60%50.60%58.74%70.55%20th pctl49 / 61
Brokered Deposits / Deposits0.00%n/an/a0.58%Beats 100%45 / 61