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Letter portraitLegal landscapeQuarterYTD

First National Bank of Decatur County

Bainbridge, GA · Cert 57694 · Bainbridge Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$359.6MAssets
$267.9MLoans
$330.8MDeposits
$22.7MEquity
Loan mix
89%RE $202.5M7%C&I $16.9M3%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $275.8M17%Noninterest $55.0MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.34%Q2 ’255.54%Q2 ’26+20%+10%

Non-interest income vs. expense

3.10%Q2 ’243.12%Q2 ’253.23%Q2 ’26+2%+3%

Market Position · Crestview-Fort Walton Beach-Destin, FL · 2026 SOD (annual) · 0.1% share · #27 of 28 inst. · $0.0B of $8.3B

23.3% Decatur
8.4% Colquitt
10.1% Grady
0.4% Walton

Executive Summary

  • Earnings: ROA of 0.26%, up 12 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.36% of loans (-12 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 7.42%, down 36 bps from a year ago.
  • Funding: loans stand at 80.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+31 bps YoY

Efficiency Ratio (YTD, annualized)

89.31%-570 bps YoY

Tier 1 Leverage Ratio

7.42%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.23%0.17%0.32%0.26%+12 bps
Return on Equity2.38%3.75%2.76%5.16%4.20%+182 bps
Net Interest Margin2.97%2.96%2.99%3.27%3.28%+31 bps
Efficiency Ratio95.01%91.68%93.17%86.52%89.31%-570 bps
Non-Interest Burden2.80%2.68%2.76%2.78%2.89%+9 bps
Growth
Asset Growth (YoY)12.37%5.46%10.75%9.67%4.85%-752 bps
Loan Growth (YoY)15.38%14.06%11.47%12.59%11.71%-367 bps
Deposit Growth (YoY)12.47%5.25%11.15%10.16%3.83%-864 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.47%0.44%0.43%0.36%-12 bps
Net Charge-Offs / Loans0.12%0.09%0.09%0.08%0.04%-8 bps
Allowance / Loans0.99%0.99%0.95%0.93%0.92%-7 bps
Allowance Coverage of NPLs2.1x2.1x2.1x2.2x2.6x+0.5x
Capital
Tier 1 Leverage Ratio7.78%7.57%7.46%7.49%7.42%-36 bps
Total Risk-Based Capital11.15%11.90%10.71%10.86%10.99%-16 bps
Equity / Assets6.01%6.45%6.04%6.45%6.32%+30 bps
Liquidity & Funding
Loans / Deposits75.27%78.07%72.27%79.86%80.98%+571 bps
Liquid Assets / Assets4.65%2.90%8.84%2.98%2.20%-245 bps
CRE / Total Capitaln/a351%362%376%n/an/a