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Republic Bank of Georgia

Suwanee, GA · Cert 58374

FDIC · 16 branches

Q4 2024

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, 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=259 to 265). 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

22

Q2 2024Q4 2024peer median (50)

Asset Quality

92

Q2 2024Q4 2024peer median (50)

Profitability

72

Q2 2024Q4 2024peer median (50)

Liquidity

26

Q2 2024Q4 2024peer median

Efficiency

65

Q2 2024Q4 2024peer 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

Republic Bank of Georgia

Suwanee, GA · Cert 58374

FDIC · 16 branches

Q4 2024

$2.4BAssets
$2.1BLoans
$2.1BDeposits
$232.5MEquity
Loan mix
85%RE $1.3B14%C&I $0.2B0%Consumer $0.0BQ1 2023Q4 2024
Deposit mix
81%Interest-bearing $1.7B19%Noninterest $0.4BQ1 2023Q4 2024

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2024 SOD (annual) · 0.6% share · #20 of 81 inst. · $1.4B of $236.7B

2.8% Gwinnett
31.5% White
1.3% DeKalb
0.7% Cobb

Executive Summary

  • Earnings: ROA of 1.17%, down 35 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.81%, down 75 bps from a year ago.
  • Funding: loans stand at 97.48% of deposits as of Q4 2024.

Return on Assets (YTD, annualized)

1.17%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-36 bps YoY

Efficiency Ratio (YTD, annualized)

59.56%+998 bps YoY

Tier 1 Leverage Ratio

9.81%-75 bps YoY

NIM

4.24%Q4 ’225.62%Q4 ’236.05%Q4 ’24+3%-9%

Non-interest income vs. expense

2.05%Q4 ’222.22%Q4 ’232.35%Q4 ’24+0%+17%

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets1.73%1.68%1.62%1.52%1.35%1.29%1.21%1.17%-35 bps
Return on Equity16.80%16.10%15.43%14.51%12.89%12.32%11.64%11.43%-307 bps
Net Interest Margin4.66%4.37%4.19%4.06%3.94%3.89%3.84%3.70%-36 bps
Efficiency Ratio48.83%49.50%50.38%49.57%55.17%57.17%59.01%59.56%+998 bps
Non-Interest Burden2.17%2.03%1.98%1.82%2.03%2.10%2.16%2.12%+30 bps
Growth
Asset Growth (YoY)4.74%5.29%5.50%9.62%9.87%11.60%16.21%16.99%+738 bps
Loan Growth (YoY)23.30%14.96%12.09%13.68%11.73%19.76%23.05%26.73%+1,305 bps
Deposit Growth (YoY)2.88%3.15%4.92%7.83%11.03%13.11%16.58%19.85%+1,202 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.04%0.01%0.01%0.00%0 bps
Allowance / Loans0.96%0.97%0.97%0.96%0.96%0.93%0.91%0.85%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.62%10.70%10.50%10.56%10.50%10.38%10.14%9.81%-75 bps
Total Risk-Based Capital12.97%13.17%12.80%12.43%12.50%12.02%11.63%11.13%-130 bps
Equity / Assets10.48%10.76%10.50%10.38%10.51%10.53%10.19%9.68%-70 bps
Liquidity & Funding
Loans / Deposits91.18%90.63%90.71%92.19%91.76%95.96%95.74%97.48%+529 bps
Liquid Assets / Assets7.47%9.00%8.63%9.64%9.23%5.37%7.15%6.05%-360 bps
CRE / Total Capitaln/an/an/an/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

Republic Bank of Georgia

Suwanee, GA · Cert 58374 · Peer group: banks $1B-$10B in assets (n=259-265)

FDIC · 16 branches

Q4 2024

$2.4BAssets
$2.1BLoans
$2.1BDeposits
$232.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 10 of 259).
  • Widest gap: tier 1 capital ratio trails 92% of banks $1B-$10B in assets (rank 243 of 265).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.06%

Rank 89 of 265

Net Interest Margin

3.70%

Rank 37 of 265

Efficiency Ratio

60.13%

Rank 94 of 265

Equity / Assets

9.68%

Rank 132 of 265

Non-interest income vs. expense

$5.3M$54.7MINCOMEEXPENSE
Unfavorable gap of $49.3M · efficiency ratio beats 65% of banks $1B-$10B in assets
Bank 60.13%Peer median 64.6%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.59%0.88%1.15%Beats 66%89 / 265
Return on Equity10.97%6.61%9.35%11.95%Beats 63%97 / 265
Net Interest Margin3.70%2.50%2.88%3.37%Beats 86%37 / 265
Efficiency Ratio60.13%56.50%64.63%72.96%Beats 65%94 / 265
Asset Quality
Nonperforming Loans / Loans0.00%0.17%0.42%0.89%Beats 100%10 / 259
Net Charge-Offs / Loans0.01%0.02%0.06%0.20%Beats 84%43 / 259
Capital
Tier 1 Capital Ratio10.27%11.21%12.48%14.46%Beats 8%243 / 265
Total Risk-Based Capital Ratio11.13%12.06%13.47%15.42%Beats 9%241 / 265
Equity / Assets9.68%8.42%9.65%11.19%Beats 50%132 / 265
Liquidity & Funding
Loans / Deposits97.48%75.05%87.21%94.28%83rd pctl45 / 260
Loans / Assets86.99%64.11%73.90%79.94%96th pctl10 / 259
Brokered Deposits / Depositsn/aNot reported for this institution