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First Community Bank of Central Alabama

Wetumpka, AL · Cert 57124 · Central Alabama Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

17

Q2 2024Q2 2026Peer median (50)

Asset Quality

56

Q2 2024Q2 2026Peer median (50)

Profitability

92

Q2 2024Q2 2026Peer median (50)

Liquidity

95

Q2 2024Q2 2026Peer median (100)

Efficiency

91

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

First Community Bank of Central Alabama

Wetumpka, AL · Cert 57124 · Central Alabama Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$694.3MAssets
$505.4MLoans
$638.3MDeposits
$45.9MEquity
Loan mix
85%RE $408.0M11%C&I $53.3M4%Consumer $20.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $474.2M26%Noninterest $164.1MQ2 2025Q2 2026

NIM

5.49%Q2 ’245.63%Q2 ’255.85%Q2 ’26+1%+4%

Non-interest income vs. expense

2.50%Q2 ’242.43%Q2 ’252.56%Q2 ’26-4%+1%

Market Position · Montgomery, AL · 2026 SOD (annual) · 6.6% share · #6 of 24 inst. · $0.6B of $9.7B

44.0% Elmore
8.2% Autauga

Executive Summary

  • Earnings: ROA of 2.05%, up 14 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.10% of loans (-18 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.57%, up 10 bps from a year ago.
  • Funding: loans stand at 79.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.05%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.53%+17 bps YoY

Efficiency Ratio (YTD, annualized)

47.97%-23 bps YoY

Tier 1 Leverage Ratio

8.57%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.93%1.88%2.07%2.05%+14 bps
Return on Equity33.92%33.42%31.84%32.48%31.76%-215 bps
Net Interest Margin4.37%4.39%4.37%4.63%4.53%+17 bps
Efficiency Ratio48.20%48.36%48.34%48.00%47.97%-23 bps
Non-Interest Burden1.75%1.76%1.75%1.79%1.76%+1 bps
Growth
Asset Growth (YoY)10.15%9.43%6.92%5.50%5.64%-451 bps
Loan Growth (YoY)19.43%17.74%15.37%17.42%13.24%-618 bps
Deposit Growth (YoY)9.38%9.00%5.63%4.35%4.45%-493 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.39%0.19%0.17%0.10%-18 bps
Net Charge-Offs / Loans0.02%0.04%0.04%0.00%0.02%0 bps
Allowance / Loans1.82%1.86%1.92%1.89%1.86%+4 bps
Allowance Coverage of NPLs6.6x4.8x10.2x10.8x18.7x+12.1x
Capital
Tier 1 Leverage Ratio8.47%8.47%8.39%8.50%8.57%+10 bps
Total Risk-Based Capital11.89%12.09%12.07%11.76%12.02%+13 bps
Equity / Assets5.81%6.16%6.40%6.33%6.60%+79 bps
Liquidity & Funding
Loans / Deposits73.04%72.88%74.63%75.78%79.18%+615 bps
Liquid Assets / Assets13.63%13.12%12.89%12.35%11.37%-226 bps
CRE / Total Capitaln/a406%404%421%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 2026-10-12

First Community Bank of Central Alabama

Wetumpka, AL · Cert 57124 · Peer group: banks under $1B in assets (n=581-629) · Central Alabama Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$694.3MAssets
$505.4MLoans
$638.3MDeposits
$45.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks under $1B in assets (rank 13 of 629).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets (rank 608 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.03%

Rank 76 of 629

Net Interest Margin

4.53%

Rank 62 of 629

Efficiency Ratio

47.97%

Rank 55 of 629

Equity / Assets

6.60%

Rank 608 of 629

Non-interest income vs. expense

$5.6M$17.9MINCOMEEXPENSE
Unfavorable gap of $12.3M · efficiency ratio beats 91% of banks under $1B in assets
Bank 47.97%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.03%0.60%1.01%1.45%Beats 88%76 / 629
Return on Equity30.78%5.38%9.30%13.28%Beats 98%13 / 629
Net Interest Margin4.53%3.03%3.54%4.05%Beats 90%62 / 629
Efficiency Ratio47.97%58.35%67.79%79.08%Beats 91%55 / 629
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.46%1.20%Beats 73%155 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 39%355 / 581
Capital
Tier 1 Capital Ratio10.76%11.24%13.84%18.77%Beats 18%513 / 629
Total Risk-Based Capital Ratio12.02%11.58%14.43%19.66%Beats 29%446 / 629
Equity / Assets6.60%9.09%10.65%13.80%Beats 3%608 / 629
Liquidity & Funding
Loans / Deposits79.18%67.24%80.90%93.48%48th pctl311 / 594
Loans / Assets72.80%53.31%67.71%78.15%60th pctl251 / 629
Brokered Deposits / Depositsn/aNot reported for this institution