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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