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American Pride Bank

Macon, GA · Cert 58584 · American Bcorp Inc.

State charter, non-member · FDIC · 6 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

9

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

American Pride Bank

Macon, GA · Cert 58584 · American Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 6 branches (7 in holding)

Q2 2026

$1.0BAssets
$721.4MLoans
$889.9MDeposits
$124.3MEquity
Loan mix
97%RE $554.2M3%C&I $16.8M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $814.6M8%Noninterest $75.3MQ2 2025Q2 2026

NIM

6.15%Q2 ’245.76%Q2 ’255.89%Q2 ’260%+4%

Non-interest income vs. expense

2.45%Q2 ’242.23%Q2 ’252.54%Q2 ’260%+12%

Market Position · Macon-Bibb County, GA · 2026 SOD (annual) · 8.5% share · #4 of 20 inst. · $0.5B of $5.6B

9.7% Bibb
6.6% Houston
5.3% Oconee
0.2% Hillsborough

Executive Summary

  • Earnings: ROA of 0.52%, down 17 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.08%, down 252 bps from a year ago.
  • Funding: loans stand at 81.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+12 bps YoY

Efficiency Ratio (YTD, annualized)

76.70%+551 bps YoY

Tier 1 Leverage Ratio

14.08%-252 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.57%0.69%0.57%0.52%-17 bps
Return on Equity5.20%4.20%5.08%4.33%4.09%-111 bps
Net Interest Margin2.98%2.96%2.77%3.35%3.10%+12 bps
Efficiency Ratio71.19%66.80%60.97%75.33%76.70%+551 bps
Non-Interest Burden2.08%1.93%1.63%2.46%2.33%+25 bps
Growth
Asset Growth (YoY)61.58%78.20%85.43%65.05%86.84%+2,526 bps
Loan Growth (YoY)38.52%66.72%72.59%70.84%93.91%+5,538 bps
Deposit Growth (YoY)53.69%70.78%74.36%62.97%97.23%+4,354 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.27%1.34%1.36%1.28%1.03%-24 bps
Allowance Coverage of NPLs362.3x460.3x68.6x560.2x570.2x+207.9x
Capital
Tier 1 Leverage Ratio16.61%15.79%14.23%13.34%14.08%-252 bps
Total Risk-Based Capital16.61%15.79%14.23%13.34%14.08%-252 bps
Equity / Assets15.95%14.49%13.39%12.84%12.06%-389 bps
Liquidity & Funding
Loans / Deposits82.45%80.55%79.63%83.58%81.06%-139 bps
Liquid Assets / Assets4.06%4.78%3.10%2.15%2.10%-196 bps
CRE / Total Capitaln/a425%461%501%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

American Pride Bank

Macon, GA · Cert 58584 · Peer group: banks $1B-$10B in assets (n=322-328) · American Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 6 branches (7 in holding)

Q2 2026

$1.0BAssets
$721.4MLoans
$889.9MDeposits
$124.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets (rank 10 of 322).
  • Widest gap: return on equity trails 96% of banks $1B-$10B in assets (rank 315 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.44%

Rank 310 of 328

Net Interest Margin

3.10%

Rank 234 of 328

Efficiency Ratio

76.70%

Rank 299 of 328

Equity / Assets

12.06%

Rank 79 of 328

Non-interest income vs. expense

$1.8M$22.6MINCOMEEXPENSE
Unfavorable gap of $20.7M · efficiency ratio beats 9% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.44%0.91%1.22%1.52%Beats 5%310 / 328
Return on Equity3.64%8.43%11.45%14.43%Beats 4%315 / 328
Net Interest Margin3.10%3.03%3.45%3.83%Beats 29%234 / 328
Efficiency Ratio76.70%51.61%59.56%67.53%Beats 9%299 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 97%10 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 85%49 / 322
Capital
Tier 1 Capital Ratio14.08%11.75%13.15%15.47%Beats 63%121 / 328
Total Risk-Based Capital Ratio14.08%12.63%14.15%16.46%Beats 49%167 / 328
Equity / Assets12.06%9.15%10.33%12.01%Beats 76%79 / 328
Liquidity & Funding
Loans / Deposits81.06%76.63%87.92%95.36%33rd pctl216 / 323
Loans / Assets70.02%65.18%74.15%79.98%36th pctl209 / 328
Brokered Deposits / Depositsn/aNot reported for this institution