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Legacy State Bank

Loganville, GA · Cert 57882

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

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 the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

40

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

Legacy State Bank

Loganville, GA · Cert 57882

State charter, non-member · FDIC · 2 branches

Q2 2026

$205.9MAssets
$155.4MLoans
$180.3MDeposits
$23.3MEquity
Loan mix
95%RE $138.9M3%C&I $4.1M2%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $155.9M13%Noninterest $24.3MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.65%Q2 ’255.69%Q2 ’26+12%+1%

Non-interest income vs. expense

2.15%Q2 ’242.56%Q2 ’252.39%Q2 ’26+20%-6%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #50 of 81 inst. · $0.2B of $255.1B

0.6% Gwinnett
1.2% Walton

Executive Summary

  • Earnings: ROA of 1.11%, up 21 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.05%, down 25 bps from a year ago.
  • Funding: loans stand at 86.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+4 bps YoY

Efficiency Ratio (YTD, annualized)

62.18%-484 bps YoY

Tier 1 Leverage Ratio

12.05%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.95%1.04%0.98%1.11%+21 bps
Return on Equity7.89%8.35%9.04%8.59%9.75%+186 bps
Net Interest Margin3.74%3.72%3.66%3.80%3.78%+4 bps
Efficiency Ratio67.02%65.48%63.74%66.07%62.18%-484 bps
Non-Interest Burden2.46%2.39%2.29%2.48%2.32%-14 bps
Growth
Asset Growth (YoY)4.46%8.00%10.72%13.13%13.74%+928 bps
Loan Growth (YoY)7.23%13.82%12.64%17.72%19.72%+1,249 bps
Deposit Growth (YoY)4.91%9.34%12.04%15.09%15.67%+1,077 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.06%0.05%0.05%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.24%1.24%1.19%1.16%-6 bps
Allowance Coverage of NPLsn/a21.6x22.2x23.1x24.0xn/a
Capital
Tier 1 Leverage Ratio12.30%12.39%12.31%12.11%12.05%-25 bps
Total Risk-Based Capital16.22%16.18%16.14%15.28%12.05%-416 bps
Equity / Assets11.49%11.64%11.73%11.04%11.29%-20 bps
Liquidity & Funding
Loans / Deposits83.31%82.73%81.59%81.92%86.22%+292 bps
Liquid Assets / Assets7.57%8.84%6.14%7.78%2.93%-463 bps
CRE / Total Capitaln/a402%404%439%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

Legacy State Bank

Loganville, GA · Cert 57882 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20)

State charter, non-member · FDIC · 2 branches

Q2 2026

$205.9MAssets
$155.4MLoans
$180.3MDeposits
$23.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 20).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.08%

Rank 15 of 20

Net Interest Margin

3.78%

Rank 12 of 20

Efficiency Ratio

62.18%

Rank 13 of 20

Equity / Assets

11.29%

Rank 9 of 20

Non-interest income vs. expense

$0.1M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 40% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 62.18%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%1.08%1.42%1.85%Beats 25%15 / 20
Return on Equity9.57%9.57%13.48%17.30%Beats 25%15 / 20
Net Interest Margin3.78%3.38%3.99%4.50%Beats 40%12 / 20
Efficiency Ratio62.18%47.39%61.42%73.60%Beats 40%13 / 20
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.79%1.63%Beats 79%5 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio12.05%13.64%16.79%19.57%Beats 10%18 / 20
Total Risk-Based Capital Ratio12.05%14.77%17.61%20.82%Beats 5%19 / 20
Equity / Assets11.29%9.66%10.94%13.62%Beats 55%9 / 20
Liquidity & Funding
Loans / Deposits86.22%70.35%84.66%95.83%55th pctl9 / 20
Loans / Assets75.50%62.58%72.89%77.86%55th pctl9 / 20
Brokered Deposits / Depositsn/aNot reported for this institution