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First Cahawba Bank

Selma, AL · Cert 58636 · First Cahawba Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=573 to 620). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

54

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 2026-10-10

First Cahawba Bank

Selma, AL · Cert 58636 · First Cahawba Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$205.7MAssets
$148.4MLoans
$186.6MDeposits
$18.6MEquity
Loan mix
82%RE $116.0M16%C&I $22.5M2%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $141.7M24%Noninterest $45.0MQ2 2025Q2 2026

NIM

5.48%Q2 ’245.56%Q2 ’255.68%Q2 ’26+3%+4%

Non-interest income vs. expense

3.27%Q2 ’243.18%Q2 ’253.31%Q2 ’26-3%+5%

Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 0.4% share · #25 of 32 inst. · $0.0B of $6.7B

18.5% Dallas
0.4% Baldwin
2.0% Pike
0.0% Calhoun

Executive Summary

  • Earnings: ROA of 1.13%, down 6 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 0.12% of loans (+12 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 10.81%, up 75 bps from a year ago.
  • Funding: loans stand at 79.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.69%+20 bps YoY

Efficiency Ratio (YTD, annualized)

66.84%-5 bps YoY

Tier 1 Leverage Ratio

10.81%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.24%1.21%1.20%1.13%-6 bps
Return on Equity15.74%16.07%15.24%13.51%12.67%-306 bps
Net Interest Margin4.49%4.43%4.59%4.71%4.69%+20 bps
Efficiency Ratio66.89%65.61%65.27%67.85%66.84%-5 bps
Non-Interest Burden2.91%2.82%2.91%3.11%3.05%+14 bps
Growth
Asset Growth (YoY)12.93%9.79%5.93%-1.02%2.16%-1,077 bps
Loan Growth (YoY)8.34%7.41%8.13%10.76%16.94%+859 bps
Deposit Growth (YoY)12.53%9.42%4.48%-2.58%0.93%-1,160 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.00%0.00%0.12%+12 bps
Net Charge-Offs / Loans0.00%0.01%0.16%-0.11%-0.05%-5 bps
Allowance / Loans1.07%1.00%1.04%1.05%1.05%-2 bps
Allowance Coverage of NPLsn/a13.7xn/an/a8.8xn/a
Capital
Tier 1 Leverage Ratio10.06%9.97%10.30%10.73%10.81%+75 bps
Total Risk-Based Capital10.06%9.97%10.30%10.73%10.81%+75 bps
Equity / Assets7.84%8.23%8.78%8.90%9.02%+118 bps
Liquidity & Funding
Loans / Deposits68.61%72.23%76.97%78.52%79.49%+1,088 bps
Liquid Assets / Assets2.23%2.08%2.18%2.17%0.17%-206 bps
CRE / Total Capitaln/a293%290%270%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 2026-10-10

First Cahawba Bank

Selma, AL · Cert 58636 · Peer group: banks under $1B in assets (n=573-620) · First Cahawba Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$205.7MAssets
$148.4MLoans
$186.6MDeposits
$18.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 43 of 620).
  • Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets (rank 518 of 620).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.10%

Rank 269 of 620

Net Interest Margin

4.69%

Rank 43 of 620

Efficiency Ratio

66.84%

Rank 288 of 620

Equity / Assets

9.02%

Rank 469 of 620

Non-interest income vs. expense

$0.5M$6.7MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 54% of banks under $1B in assets
Bank 66.84%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.60%1.00%1.45%Beats 57%269 / 620
Return on Equity12.24%5.30%9.30%13.29%Beats 69%190 / 620
Net Interest Margin4.69%3.02%3.53%4.04%Beats 93%43 / 620
Efficiency Ratio66.84%58.35%68.08%79.37%Beats 54%288 / 620
Asset Quality
Nonperforming Loans / Loans0.12%0.09%0.47%1.27%Beats 73%157 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 68%189 / 573
Capital
Tier 1 Capital Ratio10.81%11.27%13.87%18.78%Beats 19%502 / 620
Total Risk-Based Capital Ratio10.81%11.69%14.57%19.67%Beats 16%518 / 620
Equity / Assets9.02%9.03%10.60%13.73%Beats 24%469 / 620
Liquidity & Funding
Loans / Deposits79.49%65.08%79.69%92.47%50th pctl294 / 585
Loans / Assets72.11%51.85%67.17%77.86%60th pctl250 / 620
Brokered Deposits / Depositsn/aNot reported for this institution