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First Chatham Bank

Savannah, GA · Cert 57252

FDIC · 8 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, 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=547 to 599). 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

76

Q2 2024Q1 2025peer median (50)

Asset Quality

44

Q2 2024Q1 2025peer median (50)

Profitability

75

Q2 2024Q1 2025peer median (50)

Liquidity

84

Q2 2024Q1 2025peer median

Efficiency

54

Q2 2024Q1 2025peer 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

First Chatham Bank

Savannah, GA · Cert 57252

FDIC · 8 branches

Q1 2025

$604.5MAssets
$377.2MLoans
$522.7MDeposits
$77.3MEquity
Loan mix
87%RE $220.9M13%C&I $33.0M0%Consumer $1.2MQ1 2024Q1 2025
Deposit mix
70%Interest-bearing $366.1M30%Noninterest $156.5MQ1 2024Q1 2025

NIM

5.57%Q1 ’236.19%Q1 ’245.91%Q1 ’25-2%-7%

Non-interest income vs. expense

3.84%Q1 ’234.44%Q1 ’244.13%Q1 ’25-3%+42%

Market Position · Savannah, GA · 2024 SOD (annual) · 4.9% share · #6 of 26 inst. · $0.5B of $10.1B

4.5% Chatham
7.2% Bryan
6.6% Effingham
0.5% Glynn

Executive Summary

  • Earnings: ROA of 1.32%, down 72 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.87% of loans (-137 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 13.77%, up 125 bps from a year ago.
  • Funding: loans stand at 72.17% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.32%-72 bps YoY

Net Interest Margin (YTD, annualized)

4.67%-35 bps YoY

Efficiency Ratio (YTD, annualized)

69.01%+956 bps YoY

Tier 1 Leverage Ratio

13.77%+125 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets2.04%1.94%1.92%1.97%1.32%-72 bps
Return on Equity18.04%16.81%16.30%16.50%10.36%-768 bps
Net Interest Margin5.02%4.97%4.93%4.96%4.67%-35 bps
Efficiency Ratio59.45%59.61%59.59%59.88%69.01%+956 bps
Non-Interest Burden1.99%2.07%2.08%2.12%2.82%+83 bps
Growth
Asset Growth (YoY)0.48%-1.30%3.14%2.46%5.59%+511 bps
Loan Growth (YoY)1.79%5.86%3.67%6.44%12.03%+1,024 bps
Deposit Growth (YoY)-1.91%-3.47%0.45%0.35%4.30%+621 bps
Asset Quality
Nonperforming Loans / Loans2.24%2.04%2.30%0.85%0.87%-137 bps
Net Charge-Offs / Loans0.33%0.25%0.22%0.21%-0.03%-36 bps
Allowance / Loans1.87%1.91%1.98%1.89%1.85%-2 bps
Allowance Coverage of NPLs0.8x0.9x0.9x2.2x2.1x+1.3x
Capital
Tier 1 Leverage Ratio12.52%12.72%13.10%13.50%13.77%+125 bps
Total Risk-Based Capital20.32%20.38%20.87%21.35%21.06%+74 bps
Equity / Assets11.59%11.90%12.46%12.78%12.78%+119 bps
Liquidity & Funding
Loans / Deposits67.19%68.46%68.03%72.31%72.17%+498 bps
Liquid Assets / Assets25.75%25.09%25.30%23.27%23.92%-183 bps
CRE / Total Capitaln/an/an/an/an/an/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

First Chatham Bank

Savannah, GA · Cert 57252 · Peer group: banks under $1B in assets (n=547-599)

FDIC · 8 branches

Q1 2025

$604.5MAssets
$377.2MLoans
$522.7MDeposits
$77.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 40 of 598).
  • Widest gap: nonperforming loans / loans trails 73% of banks under $1B in assets (rank 402 of 547).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.31%

Rank 171 of 599

Net Interest Margin

4.67%

Rank 40 of 598

Efficiency Ratio

69.01%

Rank 275 of 598

Equity / Assets

12.78%

Rank 154 of 598

Non-interest income vs. expense

$7.7M$24.4MINCOMEEXPENSE
Unfavorable gap of $16.7M · efficiency ratio beats 54% of banks under $1B in assets
Bank 69.01%Peer median 70.7%Q3 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.47%0.86%1.38%Beats 71%171 / 599
Return on Equity10.23%4.56%8.90%12.65%Beats 62%227 / 598
Net Interest Margin4.67%2.82%3.31%3.84%Beats 93%40 / 598
Efficiency Ratio69.01%60.53%70.73%82.91%Beats 54%275 / 598
Asset Quality
Nonperforming Loans / Loans0.87%0.06%0.34%0.91%Beats 27%402 / 547
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 61%217 / 547
Capital
Tier 1 Capital Ratio19.80%11.11%13.78%18.22%Beats 77%135 / 598
Total Risk-Based Capital Ratio21.06%11.62%14.42%19.14%Beats 78%131 / 598
Equity / Assets12.78%8.34%10.07%12.96%Beats 74%154 / 598
Liquidity & Funding
Loans / Deposits72.17%60.71%77.02%90.89%40th pctl338 / 561
Loans / Assets62.40%54.47%67.19%77.36%39th pctl334 / 547
Brokered Deposits / Depositsn/aNot reported for this institution