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Bryant Bank

Tuscaloosa, AL · Cert 57997

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

66

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

Bryant Bank

Tuscaloosa, AL · Cert 57997

State charter, non-member · FDIC · 18 branches

Q2 2026

$2.9BAssets
$1.3BLoans
$2.3BDeposits
$276.3MEquity
Loan mix
86%RE $1.1B13%C&I $0.2B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $1.7B29%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 17.1% share · #1 of 30 inst. · $0.9B of $5.5B

20.5% Tuscaloosa
1.1% Jefferson
5.8% Baldwin
2.1% Madison

Executive Summary

  • Earnings: ROA of 1.32%, down 7 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.07% of loans (-1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.53%, down 31 bps from a year ago.
  • Funding: loans stand at 57.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-31 bps YoY

Efficiency Ratio (YTD, annualized)

54.18%+120 bps YoY

Tier 1 Leverage Ratio

9.53%-31 bps YoY

NIM

5.86%Q2 ’245.44%Q2 ’254.90%Q2 ’26-8%-9%

Non-interest income vs. expense

2.11%Q2 ’242.09%Q2 ’251.99%Q2 ’260%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.63%1.33%1.39%1.42%1.42%1.26%1.32%-7 bps
Return on Equity16.91%16.80%14.13%14.65%14.85%14.88%13.43%14.12%-53 bps
Net Interest Margin3.99%3.83%3.55%3.62%3.62%3.54%3.42%3.31%-31 bps
Efficiency Ratio49.40%49.54%53.81%52.98%52.94%52.82%55.37%54.18%+120 bps
Non-Interest Burden1.80%1.73%1.78%1.77%1.77%1.72%1.78%1.63%-13 bps
Growth
Asset Growth (YoY)1.03%8.93%10.06%8.37%9.65%5.75%7.67%8.64%+27 bps
Loan Growth (YoY)12.08%10.15%10.57%10.47%3.02%3.89%-0.23%-2.80%-1,327 bps
Deposit Growth (YoY)-2.43%8.73%10.77%9.35%9.35%5.55%9.42%8.92%-43 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.13%0.07%0.08%0.07%0.08%0.07%-1 bps
Net Charge-Offs / Loans0.07%0.06%0.03%0.04%0.04%0.04%-0.01%-0.02%-5 bps
Allowance / Loans1.00%1.00%1.00%1.00%1.02%1.00%1.01%1.04%+4 bps
Allowance Coverage of NPLs9.8x10.7x7.5x13.8x13.1x14.7x12.3x15.8x+2.0x
Capital
Tier 1 Leverage Ratio10.10%9.91%9.68%9.84%9.81%9.77%9.76%9.53%-31 bps
Total Risk-Based Capital19.46%19.30%19.27%19.22%19.81%19.27%19.76%19.93%+71 bps
Equity / Assets10.14%9.26%9.60%9.69%9.84%9.33%9.40%9.41%-29 bps
Liquidity & Funding
Loans / Deposits66.65%59.59%63.31%63.99%62.78%58.66%57.73%57.11%-689 bps
Liquid Assets / Assets25.61%32.95%33.06%31.76%33.08%38.05%39.13%39.51%+775 bps
CRE / Total Capitaln/an/an/an/a297%300%290%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

Bryant Bank

Tuscaloosa, AL · Cert 57997 · Peer group: banks $1B-$10B in assets (n=322-328)

State charter, non-member · FDIC · 18 branches

Q2 2026

$2.9BAssets
$1.3BLoans
$2.3BDeposits
$276.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets (rank 34 of 322).
  • Widest gap: equity / assets trails 70% of banks $1B-$10B in assets (rank 229 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.32%

Rank 130 of 328

Net Interest Margin

3.31%

Rank 195 of 328

Efficiency Ratio

54.18%

Rank 112 of 328

Equity / Assets

9.41%

Rank 229 of 328

Non-interest income vs. expense

$10.4M$58.2MINCOMEEXPENSE
Unfavorable gap of $47.8M · efficiency ratio beats 66% of banks $1B-$10B in assets
Bank 54.18%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.32%0.91%1.22%1.52%Beats 60%130 / 328
Return on Equity13.98%8.43%11.45%14.43%Beats 71%96 / 328
Net Interest Margin3.31%3.03%3.45%3.83%Beats 41%195 / 328
Efficiency Ratio54.18%51.61%59.56%67.53%Beats 66%112 / 328
Asset Quality
Nonperforming Loans / Loans0.07%0.24%0.51%1.03%Beats 90%34 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 68%104 / 322
Capital
Tier 1 Capital Ratio18.98%11.75%13.15%15.47%Beats 88%38 / 328
Total Risk-Based Capital Ratio19.93%12.63%14.15%16.46%Beats 89%37 / 328
Equity / Assets9.41%9.15%10.33%12.01%Beats 30%229 / 328
Liquidity & Funding
Loans / Deposits57.11%76.63%87.92%95.36%6th pctl304 / 323
Loans / Assets45.56%65.18%74.15%79.98%6th pctl307 / 328
Brokered Deposits / Depositsn/aNot reported for this institution