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

Asset Quality

Profitability

Liquidity

Efficiency

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.

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

Deposit mix

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.

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

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.71%	0.58%	0.93%	0.69%	0.57%	0.69%	0.57%	0.52%	-17 bps
Return on Equity	6.28%	5.16%	8.00%	5.20%	4.20%	5.08%	4.33%	4.09%	-111 bps
Net Interest Margin	2.95%	2.74%	3.18%	2.98%	2.96%	2.77%	3.35%	3.10%	+12 bps
Efficiency Ratio	72.59%	74.07%	71.12%	71.19%	66.80%	60.97%	75.33%	76.70%	+551 bps
Non-Interest Burden	2.05%	1.96%	2.22%	2.08%	1.93%	1.63%	2.46%	2.33%	+25 bps
Growth
Asset Growth (YoY)	16.94%	26.01%	36.59%	61.58%	78.20%	85.43%	65.05%	86.84%	+2,526 bps
Loan Growth (YoY)	3.72%	9.82%	22.27%	38.52%	66.72%	72.59%	70.84%	93.91%	+5,538 bps
Deposit Growth (YoY)	17.53%	28.75%	31.14%	53.69%	70.78%	74.36%	62.97%	97.23%	+4,354 bps
Asset Quality
Nonperforming Loans / Loans	0.29%	0.26%	0.00%	0.00%	0.00%	0.02%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.11%	0.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	+1 bps
Allowance / Loans	1.27%	1.28%	1.26%	1.27%	1.34%	1.36%	1.28%	1.03%	-24 bps
Allowance Coverage of NPLs	4.4x	4.9x	301.4x	362.3x	460.3x	68.6x	560.2x	570.2x	+207.9x
Capital
Tier 1 Leverage Ratio	13.03%	11.68%	14.06%	16.61%	15.79%	14.23%	13.34%	14.08%	-252 bps
Total Risk-Based Capital	13.03%	11.68%	14.06%	16.61%	15.79%	14.23%	13.34%	14.08%	-252 bps
Equity / Assets	12.31%	10.70%	12.45%	15.95%	14.49%	13.39%	12.84%	12.06%	-389 bps
Liquidity & Funding
Loans / Deposits	82.51%	80.44%	79.73%	82.45%	80.55%	79.63%	83.58%	81.06%	-139 bps
Liquid Assets / Assets	11.22%	1.57%	4.49%	4.06%	4.78%	3.10%	2.15%	2.10%	-196 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	425%	461%	501%	n/a	n/a

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

Unfavorable gap of $20.7M · efficiency ratio beats 9% of banks $1B-$10B in assets

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.44%	0.91%	1.22%	1.52%	Beats 5%	310 / 328	n/a
Return on Equity	3.64%	8.43%	11.45%	14.43%	Beats 4%	315 / 328	n/a
Net Interest Margin	3.10%	3.03%	3.45%	3.83%	Beats 29%	234 / 328	n/a
Efficiency Ratio	76.70%	51.61%	59.56%	67.53%	Beats 9%	299 / 328	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.24%	0.51%	1.03%	Beats 97%	10 / 322	n/a
Net Charge-Offs / Loans	0.00%	0.01%	0.03%	0.10%	Beats 85%	49 / 322	n/a
Capital
Tier 1 Capital Ratio	14.08%	11.75%	13.15%	15.47%	Beats 63%	121 / 328	n/a
Total Risk-Based Capital Ratio	14.08%	12.63%	14.15%	16.46%	Beats 49%	167 / 328	n/a
Equity / Assets	12.06%	9.15%	10.33%	12.01%	Beats 76%	79 / 328	n/a
Liquidity & Funding
Loans / Deposits	81.06%	76.63%	87.92%	95.36%	33rd pctl	216 / 323	n/a
Loans / Assets	70.02%	65.18%	74.15%	79.98%	36th pctl	209 / 328	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution