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Georgia Banking Company

Atlanta, GA · Cert 57071 · Georgia Banking Co. Inc.

State charter, non-member · FDIC · 10 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=322 to 328). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

34

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

Georgia Banking Company

Atlanta, GA · Cert 57071 · Georgia Banking Co. Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$2.9BDeposits
$317.2MEquity
Loan mix
82%RE $1.8B15%C&I $0.3B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $2.2B25%Noninterest $0.7BQ2 2025Q2 2026

NIM

6.65%Q2 ’246.19%Q2 ’256.03%Q2 ’26+1%+6%

Non-interest income vs. expense

3.13%Q2 ’243.14%Q2 ’252.94%Q2 ’26-4%-8%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 1.1% share · #14 of 81 inst. · $2.9B of $255.1B

1.6% Fulton
1.0% Gwinnett
1.5% DeKalb
8.9% Spalding

Executive Summary

  • Earnings: ROA of 1.05%, up 36 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.67% of loans (+13 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.78%, up 145 bps from a year ago.
  • Funding: loans stand at 90.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+36 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+24 bps YoY

Efficiency Ratio (YTD, annualized)

64.03%-851 bps YoY

Tier 1 Leverage Ratio

10.78%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.88%0.99%1.25%1.05%+36 bps
Return on Equity7.86%9.91%10.93%12.83%10.81%+296 bps
Net Interest Margin3.90%3.97%3.97%4.37%4.14%+24 bps
Efficiency Ratio72.53%68.03%65.93%59.10%64.03%-851 bps
Non-Interest Burden2.72%2.60%2.51%2.40%2.49%-23 bps
Growth
Asset Growth (YoY)40.65%30.70%19.30%8.17%25.78%-1,487 bps
Loan Growth (YoY)47.55%27.19%23.19%11.52%15.37%-3,218 bps
Deposit Growth (YoY)35.49%30.57%26.92%10.83%37.94%+244 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.57%0.66%0.79%0.67%+13 bps
Net Charge-Offs / Loans0.00%0.05%0.04%0.17%0.08%+7 bps
Allowance / Loans1.11%1.11%1.15%1.08%1.12%+1 bps
Allowance Coverage of NPLs2.1x2.0x1.7x1.4x1.7x-0.4x
Capital
Tier 1 Leverage Ratio9.33%9.33%9.37%10.15%10.78%+145 bps
Total Risk-Based Capital11.57%12.09%12.74%12.74%13.05%+148 bps
Equity / Assets9.26%9.15%9.58%9.94%9.73%+47 bps
Liquidity & Funding
Loans / Deposits107.60%102.62%94.00%101.57%90.00%-1,760 bps
Liquid Assets / Assets4.76%10.07%10.24%7.51%13.60%+884 bps
CRE / Total Capitaln/a418%392%393%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

Georgia Banking Company

Atlanta, GA · Cert 57071 · Peer group: banks $1B-$10B in assets (n=322-328) · Georgia Banking Co. Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$2.9BDeposits
$317.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks $1B-$10B in assets (rank 49 of 328).
  • Widest gap: tier 1 capital ratio trails 74% of banks $1B-$10B in assets (rank 244 of 328).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.93%

Rank 243 of 328

Net Interest Margin

4.14%

Rank 49 of 328

Efficiency Ratio

64.58%

Rank 218 of 328

Equity / Assets

9.73%

Rank 200 of 328

Non-interest income vs. expense

$12.7M$82.7MINCOMEEXPENSE
Unfavorable gap of $70.0M · efficiency ratio beats 34% of banks $1B-$10B in assets
Bank 64.58%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.91%1.22%1.52%Beats 26%243 / 328
Return on Equity9.56%8.43%11.45%14.43%Beats 32%222 / 328
Net Interest Margin4.14%3.03%3.45%3.83%Beats 85%49 / 328
Efficiency Ratio64.58%51.61%59.56%67.53%Beats 34%218 / 328
Asset Quality
Nonperforming Loans / Loans0.67%0.24%0.51%1.03%Beats 39%196 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 46%175 / 322
Capital
Tier 1 Capital Ratio11.83%11.75%13.15%15.47%Beats 26%244 / 328
Total Risk-Based Capital Ratio13.05%12.63%14.15%16.46%Beats 31%227 / 328
Equity / Assets9.73%9.15%10.33%12.01%Beats 39%200 / 328
Liquidity & Funding
Loans / Deposits90.00%76.63%87.92%95.36%55th pctl145 / 323
Loans / Assets79.47%65.18%74.15%79.98%73rd pctl88 / 328
Brokered Deposits / Depositsn/aNot reported for this institution