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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 $9.0MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $206.9M30%Noninterest $87.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.43%2.51%2.57%2.75%2.76%+33 bps
Return on Equity29.92%29.50%29.16%28.89%28.70%-122 bps
Net Interest Margin4.66%4.87%4.95%5.13%5.06%+40 bps
Efficiency Ratio41.45%41.68%42.22%42.13%41.71%+26 bps
Non-Interest Burden1.44%1.50%1.51%1.61%1.53%+10 bps
Growth
Asset Growth (YoY)15.49%6.66%-8.52%1.50%-1.14%-1,663 bps
Loan Growth (YoY)9.10%9.26%8.89%9.26%11.40%+230 bps
Deposit Growth (YoY)20.02%10.14%-10.80%0.49%-2.33%-2,234 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.13%0.29%0.10%+3 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.05%0.03%+1 bps
Allowance / Loans1.05%1.05%1.03%1.02%1.00%-5 bps
Allowance Coverage of NPLs14.0x12.8x7.9x3.6x9.7x-4.2x
Capital
Tier 1 Leverage Ratio9.68%10.39%10.95%9.93%10.33%+65 bps
Total Risk-Based Capital15.52%15.99%16.25%15.26%15.60%+8 bps
Equity / Assets8.65%9.81%9.92%9.16%9.76%+111 bps
Liquidity & Funding
Loans / Deposits75.06%82.85%81.56%80.52%85.61%+1,055 bps
Liquid Assets / Assets18.98%12.95%15.17%15.47%11.78%-720 bps
CRE / Total Capitaln/a215%211%221%n/an/a