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Douglas National Bank

Douglas, GA · Cert 57230 · DNB Financial Services Inc.

National charter · OCC · 1 branch

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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

98

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

Douglas National Bank

Douglas, GA · Cert 57230 · DNB Financial Services Inc.

National charter · OCC · 1 branch

Q2 2026

$326.9MAssets
$252.3MLoans
$294.7MDeposits
$31.9MEquity
Loan mix
84%RE $202.4M12%C&I $28.8M4%Consumer $9.0MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $206.9M30%Noninterest $87.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.76%, up 33 bps year over year; NIM at 5.06%.
  • Asset quality: problem loans at 0.10% of loans (+3 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.33%, up 65 bps from a year ago.
  • Funding: loans stand at 85.61% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.76%+33 bps YoY

Net Interest Margin (YTD, annualized)

5.06%+40 bps YoY

Efficiency Ratio (YTD, annualized)

41.71%+26 bps YoY

Tier 1 Leverage Ratio

10.33%+65 bps YoY

NIM

6.08%Q2 ’246.14%Q2 ’256.34%Q2 ’26+2%+9%

Non-interest income vs. expense

2.65%Q2 ’242.29%Q2 ’252.52%Q2 ’26-6%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.40%2.36%2.28%2.43%2.51%2.57%2.75%2.76%+33 bps
Return on Equity27.90%28.15%29.00%29.92%29.50%29.16%28.89%28.70%-122 bps
Net Interest Margin4.59%4.12%4.45%4.66%4.87%4.95%5.13%5.06%+40 bps
Efficiency Ratio44.98%44.09%42.82%41.45%41.68%42.22%42.13%41.71%+26 bps
Non-Interest Burden1.48%1.30%1.43%1.44%1.50%1.51%1.61%1.53%+10 bps
Growth
Asset Growth (YoY)3.76%27.85%15.51%15.49%6.66%-8.52%1.50%-1.14%-1,663 bps
Loan Growth (YoY)16.35%16.02%13.50%9.10%9.26%8.89%9.26%11.40%+230 bps
Deposit Growth (YoY)-1.64%29.47%15.49%20.02%10.14%-10.80%0.49%-2.33%-2,234 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.50%0.49%0.08%0.08%0.13%0.29%0.10%+3 bps
Net Charge-Offs / Loans0.00%0.01%0.03%0.01%0.01%0.01%0.05%0.03%+1 bps
Allowance / Loans1.07%1.05%1.05%1.05%1.05%1.03%1.02%1.00%-5 bps
Allowance Coverage of NPLs2.0x2.1x2.1x14.0x12.8x7.9x3.6x9.7x-4.2x
Capital
Tier 1 Leverage Ratio10.43%9.56%9.15%9.68%10.39%10.95%9.93%10.33%+65 bps
Total Risk-Based Capital15.47%14.79%14.89%15.52%15.99%16.25%15.26%15.60%+8 bps
Equity / Assets9.12%7.58%8.20%8.65%9.81%9.92%9.16%9.76%+111 bps
Liquidity & Funding
Loans / Deposits83.51%66.81%74.06%75.06%82.85%81.56%80.52%85.61%+1,055 bps
Liquid Assets / Assets10.61%25.46%16.20%18.98%12.95%15.17%15.47%11.78%-720 bps
CRE / Total Capitaln/an/an/an/a215%211%221%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

Douglas National Bank

Douglas, GA · Cert 57230 · Peer group: banks under $1B in assets in GA (n=58-59) · DNB Financial Services Inc.

National charter · OCC · 1 branch

Q2 2026

$326.9MAssets
$252.3MLoans
$294.7MDeposits
$31.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks under $1B in assets in GA (rank 1 of 59).
  • Widest gap: equity / assets trails 68% of banks under $1B in assets in GA (rank 40 of 59).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.76%

Rank 3 of 59

Net Interest Margin

5.06%

Rank 8 of 59

Efficiency Ratio

41.71%

Rank 2 of 59

Equity / Assets

9.76%

Rank 40 of 59

Non-interest income vs. expense

$3.3M$8.4MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 98% of banks under $1B in assets in GA
Bank 41.71%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.76%0.94%1.46%1.76%Beats 95%3 / 59
Return on Equity28.31%7.92%11.60%15.10%Beats 98%1 / 59
Net Interest Margin5.06%3.66%4.24%4.75%Beats 86%8 / 59
Efficiency Ratio41.71%51.87%60.25%70.24%Beats 98%2 / 59
Asset Quality
Nonperforming Loans / Loans0.10%0.10%0.36%0.89%Beats 74%16 / 58
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 50%30 / 58
Capital
Tier 1 Capital Ratio14.53%11.93%15.65%21.05%Beats 44%33 / 59
Total Risk-Based Capital Ratio15.60%12.05%15.77%22.26%Beats 46%32 / 59
Equity / Assets9.76%9.10%11.51%14.32%Beats 32%40 / 59
Liquidity & Funding
Loans / Deposits85.61%59.62%72.81%85.44%76th pctl14 / 58
Loans / Assets77.16%49.55%64.39%73.73%83rd pctl10 / 59
Brokered Deposits / Depositsn/aNot reported for this institution