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Southern States Bank

Anniston, AL · Cert 58558

FDIC · 15 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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=276 to 281). 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

64

Q2 2024Q2 2025peer median (50)

Asset Quality

30

Q2 2024Q2 2025peer median (50)

Profitability

28

Q2 2024Q2 2025peer median (50)

Liquidity

55

Q2 2024Q2 2025peer median

Efficiency

15

Q2 2024Q2 2025peer 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

Southern States Bank

Anniston, AL · Cert 58558

FDIC · 15 branches

Q2 2025

$2.9BAssets
$2.3BLoans
$2.5BDeposits
$365.2MEquity
Loan mix
79%RE $1.3B20%C&I $0.3B1%Consumer $0.0BQ2 2024Q2 2025
Deposit mix
77%Interest-bearing $1.9B23%Noninterest $0.6BQ2 2024Q2 2025

NIM

5.53%Q2 ’236.24%Q2 ’246.09%Q2 ’25-7%+7%

Non-interest income vs. expense

2.01%Q2 ’231.63%Q2 ’242.94%Q2 ’25+13%+89%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.4% share · #25 of 80 inst. · $0.9B of $246.0B

16.4% Calhoun
8.6% Lee
4.3% Muscogee
12.5% Coweta

Executive Summary

  • Earnings: ROA of 0.04%, down 145 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.45% of loans (+26 bps YoY), with net charge-offs at 0.66%.
  • Capital: tier 1 leverage ratio of 11.41%, down 11 bps from a year ago.
  • Funding: loans stand at 93.51% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.04%-145 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+25 bps YoY

Efficiency Ratio (YTD, annualized)

72.71%+2,900 bps YoY

Tier 1 Leverage Ratio

11.41%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.49%1.40%1.50%1.63%0.04%-145 bps
Return on Equity12.79%11.83%12.49%12.79%0.31%-1,248 bps
Net Interest Margin3.52%3.41%3.40%3.73%3.78%+25 bps
Efficiency Ratio43.71%45.17%44.19%41.04%72.71%+2,900 bps
Non-Interest Burden1.43%1.43%1.37%1.43%2.69%+127 bps
Growth
Asset Growth (YoY)12.86%23.57%16.44%13.52%11.72%-114 bps
Loan Growth (YoY)17.41%23.86%18.14%15.04%14.98%-243 bps
Deposit Growth (YoY)12.82%25.80%19.07%14.59%13.33%+51 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.36%0.29%0.32%0.45%+26 bps
Net Charge-Offs / Loans0.08%0.07%0.04%0.04%0.66%+58 bps
Allowance / Loans1.28%1.28%1.27%1.28%0.96%-32 bps
Allowance Coverage of NPLs6.8x3.6x4.3x4.0x2.1x-4.7x
Capital
Tier 1 Leverage Ratio11.52%11.48%11.45%11.99%11.41%-11 bps
Total Risk-Based Capital13.77%13.59%14.18%14.55%13.88%+11 bps
Equity / Assets11.72%12.29%12.58%12.97%12.71%+98 bps
Liquidity & Funding
Loans / Deposits92.17%90.47%91.99%92.90%93.51%+134 bps
Liquid Assets / Assets6.22%7.12%6.09%5.16%10.41%+419 bps
CRE / Total Capitaln/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

Southern States Bank

Anniston, AL · Cert 58558 · Peer group: banks $1B-$10B in assets (n=276-281)

FDIC · 15 branches

Q2 2025

$2.9BAssets
$2.3BLoans
$2.5BDeposits
$365.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 85% of banks $1B-$10B in assets (rank 41 of 281).
  • Widest gap: return on equity trails 97% of banks $1B-$10B in assets (rank 272 of 281).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.04%

Rank 272 of 281

Net Interest Margin

3.78%

Rank 59 of 281

Efficiency Ratio

74.11%

Rank 239 of 281

Equity / Assets

12.71%

Rank 41 of 281

Non-interest income vs. expense

$7.1M$85.0MINCOMEEXPENSE
Unfavorable gap of $77.9M · efficiency ratio beats 15% of banks $1B-$10B in assets
Bank 74.11%Peer median 61.7%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.04%0.77%1.02%1.33%Beats 3%272 / 281
Return on Equity0.31%7.72%10.62%12.88%Beats 3%272 / 281
Net Interest Margin3.78%2.81%3.17%3.70%Beats 79%59 / 281
Efficiency Ratio74.11%55.15%61.68%69.37%Beats 15%239 / 281
Asset Quality
Nonperforming Loans / Loans0.45%0.19%0.46%0.92%Beats 52%134 / 276
Net Charge-Offs / Loans0.34%0.01%0.03%0.10%Beats 8%255 / 276
Capital
Tier 1 Capital Ratio12.94%11.36%12.79%14.74%Beats 54%129 / 281
Total Risk-Based Capital Ratio13.88%12.23%13.67%15.73%Beats 53%132 / 281
Equity / Assets12.71%8.81%10.01%11.54%Beats 85%41 / 281
Liquidity & Funding
Loans / Deposits93.51%77.25%87.32%94.80%71st pctl79 / 276
Loans / Assets80.69%65.89%74.03%78.80%79th pctl58 / 276
Brokered Deposits / Depositsn/aNot reported for this institution