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

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