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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