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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

$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

5.47%Q2 ’245.84%Q2 ’255.89%Q2 ’26+6%0%

Non-interest income vs. expense

2.36%Q2 ’242.30%Q2 ’252.52%Q2 ’26-3%+8%

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 2.02%, down 5 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.10% of loans (-18 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

2.02%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.50%-2 bps YoY

Efficiency Ratio (quarter, annualized)

47.94%+359 bps YoY

Tier 1 Leverage Ratio

8.57%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.06%1.97%1.70%2.07%2.02%-5 bps
Return on Equity36.11%32.88%27.13%32.48%31.19%-492 bps
Net Interest Margin4.52%4.59%4.54%4.63%4.50%-2 bps
Efficiency Ratio44.35%48.66%48.27%48.00%47.94%+359 bps
Non-Interest Burden1.63%1.85%1.82%1.79%1.76%+12 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 / Loans0.00%0.07%0.06%0.00%0.04%+4 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