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American Commerce Bank, National Association

Bremen, GA · Cert 57686 · American Com Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$495.7MAssets
$410.3MLoans
$392.1MDeposits
$84.7MEquity
Loan mix
92%RE $384.9M7%C&I $29.8M0%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $358.4M9%Noninterest $33.7MQ2 2025Q2 2026

NIM

6.52%Q2 ’247.15%Q2 ’256.61%Q2 ’26+17%-3%

Non-interest income vs. expense

2.19%Q2 ’242.20%Q2 ’252.15%Q2 ’26+1%-1%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #37 of 81 inst. · $0.3B of $255.1B

29.7% Haralson
0.7% Leon
1.4% Carroll
0.0% Fulton

Executive Summary

  • Earnings: ROA of 1.78%, down 2 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 2.98% of loans (+43 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.09%, up 212 bps from a year ago.
  • Funding: loans stand at 104.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.78%-2 bps YoY

Net Interest Margin (quarter, annualized)

4.37%-16 bps YoY

Efficiency Ratio (quarter, annualized)

47.96%+84 bps YoY

Tier 1 Leverage Ratio

17.09%+212 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.72%1.83%1.80%1.78%-2 bps
Return on Equity12.21%11.11%11.35%10.74%10.48%-174 bps
Net Interest Margin4.53%4.25%4.24%4.28%4.37%-16 bps
Efficiency Ratio47.12%48.60%50.86%46.80%47.96%+84 bps
Non-Interest Burden2.05%1.98%2.05%1.92%2.03%-2 bps
Growth
Asset Growth (YoY)3.64%-3.77%-9.56%-4.67%-0.94%-458 bps
Loan Growth (YoY)1.01%-9.38%-7.65%-5.15%-4.08%-509 bps
Deposit Growth (YoY)2.58%-6.07%-13.16%-7.65%-3.13%-571 bps
Asset Quality
Nonperforming Loans / Loans2.55%3.01%2.90%2.78%2.98%+43 bps
Net Charge-Offs / Loans0.11%-0.05%-0.06%0.17%0.00%-11 bps
Allowance / Loans2.13%2.26%2.22%2.14%2.18%+5 bps
Allowance Coverage of NPLs0.8x0.7x0.8x0.8x0.7x-0.1x
Capital
Tier 1 Leverage Ratio14.97%15.59%16.38%17.16%17.09%+212 bps
Total Risk-Based Capital19.33%20.82%20.84%21.26%22.16%+282 bps
Equity / Assets15.17%15.75%16.56%16.92%17.08%+191 bps
Liquidity & Funding
Loans / Deposits105.68%102.02%107.67%108.78%104.65%-103 bps
Liquid Assets / Assets13.05%16.71%13.12%12.70%15.93%+288 bps
CRE / Total Capitaln/a397%413%409%n/an/a