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Bank of Newington

Newington, GA · Cert 5704

State charter, non-member · FDIC · 4 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 GA3

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 GA (n=58 to 59). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

56

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 Newington

Newington, GA · Cert 5704

State charter, non-member · FDIC · 4 branches

Q2 2026

$333.8MAssets
$265.0MLoans
$301.1MDeposits
$29.7MEquity
Loan mix
95%RE $240.5M3%C&I $8.2M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $252.4M16%Noninterest $48.7MQ2 2025Q2 2026

NIM

7.05%Q2 ’247.36%Q2 ’257.04%Q2 ’26+4%-2%

Non-interest income vs. expense

2.42%Q2 ’242.82%Q2 ’252.95%Q2 ’26+10%+4%

Market Position · Savannah, GA · 2026 SOD (annual) · 1.5% share · #16 of 24 inst. · $0.1B of $9.5B

42.2% Screven
15.7% Effingham

Executive Summary

  • Earnings: ROA of 1.50%, down 11 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.48% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.07%, down 8 bps from a year ago.
  • Funding: loans stand at 88.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.65%-10 bps YoY

Efficiency Ratio (YTD, annualized)

59.55%+352 bps YoY

Tier 1 Leverage Ratio

9.07%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.43%1.25%1.52%1.50%-11 bps
Return on Equity18.20%16.20%14.16%17.34%16.94%-127 bps
Net Interest Margin4.75%4.54%4.58%4.62%4.65%-10 bps
Efficiency Ratio56.03%58.94%60.45%58.09%59.55%+352 bps
Non-Interest Burden2.53%2.56%2.65%2.56%2.65%+11 bps
Growth
Asset Growth (YoY)7.63%14.54%13.90%15.34%10.91%+328 bps
Loan Growth (YoY)15.06%14.13%13.43%12.21%10.37%-469 bps
Deposit Growth (YoY)3.20%10.67%18.57%20.00%14.78%+1,159 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.93%0.43%0.95%0.48%-3 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.00%0.00%-2 bps
Allowance / Loans1.66%1.72%1.88%1.86%1.85%+19 bps
Allowance Coverage of NPLs3.3x1.8x4.4x2.0x3.9x+0.6x
Capital
Tier 1 Leverage Ratio9.16%8.97%9.02%8.90%9.07%-8 bps
Total Risk-Based Capital12.98%13.36%13.00%12.50%12.61%-37 bps
Equity / Assets8.75%8.90%8.95%8.65%8.91%+16 bps
Liquidity & Funding
Loans / Deposits91.53%89.25%87.95%84.95%88.01%-352 bps
Liquid Assets / Assets8.64%10.36%7.90%10.26%8.06%-58 bps
CRE / Total Capitaln/a475%502%506%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 Newington

Newington, GA · Cert 5704 · Peer group: banks under $1B in assets in GA (n=58-59)

State charter, non-member · FDIC · 4 branches

Q2 2026

$333.8MAssets
$265.0MLoans
$301.1MDeposits
$29.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
  • Widest gap: tier 1 capital ratio trails 81% of banks under $1B in assets in GA (rank 48 of 59).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.46%

Rank 30 of 59

Net Interest Margin

4.65%

Rank 20 of 59

Efficiency Ratio

59.55%

Rank 27 of 59

Equity / Assets

8.91%

Rank 46 of 59

Non-interest income vs. expense

$1.0M$9.7MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 56% of banks under $1B in assets in GA
Bank 59.55%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.94%1.46%1.76%Beats 49%30 / 59
Return on Equity16.40%7.92%11.60%15.10%Beats 81%11 / 59
Net Interest Margin4.65%3.66%4.24%4.75%Beats 66%20 / 59
Efficiency Ratio59.55%51.87%60.25%70.24%Beats 56%27 / 59
Asset Quality
Nonperforming Loans / Loans0.48%0.10%0.36%0.89%Beats 41%35 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%10 / 58
Capital
Tier 1 Capital Ratio11.35%11.93%15.65%21.05%Beats 19%48 / 59
Total Risk-Based Capital Ratio12.61%12.05%15.77%22.26%Beats 29%42 / 59
Equity / Assets8.91%9.10%11.51%14.32%Beats 22%46 / 59
Liquidity & Funding
Loans / Deposits88.01%59.62%72.81%85.44%83rd pctl10 / 58
Loans / Assets79.40%49.55%64.39%73.73%86th pctl8 / 59
Brokered Deposits / Depositsn/aNot reported for this institution