PackageTrendsPeer
Letter portraitLegal landscape

Promiseone Bank

Duluth, GA · Cert 58657 · Promiseone Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

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 in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

28

Q2 2024Q2 2026Peer median (50)

Asset Quality

32

Q2 2024Q2 2026Peer median (50)

Profitability

37

Q2 2024Q2 2026Peer median (50)

Liquidity

100

Q2 2024Q2 2026Peer median (100)

Efficiency

65

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Promiseone Bank

Duluth, GA · Cert 58657 · Promiseone Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$812.2MAssets
$619.0MLoans
$732.2MDeposits
$69.7MEquity
Loan mix
94%RE $570.7M6%C&I $37.5M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $607.8M17%Noninterest $124.3MQ3 2024Q2 2026

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #30 of 81 inst. · $0.6B of $255.1B

1.3% Gwinnett
0.1% Fairfax
0.7% DeKalb
0.1% Fulton

Executive Summary

  • Earnings: ROA of 1.19%, up 11 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.81% of loans (-37 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.12%, down 14 bps from a year ago.
  • Funding: loans stand at 84.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+6 bps YoY

Efficiency Ratio (YTD, annualized)

57.74%-57 bps YoY

Tier 1 Leverage Ratio

10.12%-14 bps YoY

NIM

6.10%Q2 ’245.84%Q2 ’255.69%Q2 ’26+9%+2%

Non-interest income vs. expense

1.88%Q2 ’242.11%Q2 ’252.13%Q2 ’26+26%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.19%1.08%1.09%1.12%1.16%1.13%1.19%+11 bps
Return on Equity14.21%14.17%13.75%13.78%13.97%14.51%13.97%14.42%+64 bps
Net Interest Margin2.76%2.52%2.87%3.00%2.97%2.97%2.95%3.05%+6 bps
Efficiency Ratio54.95%56.34%57.76%58.31%57.67%54.05%59.17%57.74%-57 bps
Non-Interest Burden1.19%1.14%1.40%1.48%1.46%1.24%1.51%1.51%+3 bps
Growth
Asset Growth (YoY)2.33%13.45%10.09%13.96%13.84%3.15%5.55%-0.31%-1,427 bps
Loan Growth (YoY)5.51%6.45%8.53%6.88%6.05%4.64%0.54%2.46%-442 bps
Deposit Growth (YoY)5.72%21.75%17.69%22.81%17.93%2.58%5.44%-1.08%-2,389 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.92%1.00%1.18%0.86%0.86%0.85%0.81%-37 bps
Net Charge-Offs / Loans0.06%0.04%0.07%0.04%0.10%0.08%0.21%0.10%+6 bps
Allowance / Loans0.90%0.93%0.91%0.97%0.94%1.00%0.95%0.96%-1 bps
Allowance Coverage of NPLs1.0x1.0x0.9x0.8x1.1x1.2x1.1x1.2x+0.4x
Capital
Tier 1 Leverage Ratio11.13%9.64%10.10%10.26%10.16%9.89%9.96%10.12%-14 bps
Total Risk-Based Capital18.14%17.35%17.00%17.06%17.09%16.74%16.83%16.82%-24 bps
Equity / Assets9.10%7.70%8.06%7.88%8.28%8.10%8.15%8.58%+69 bps
Liquidity & Funding
Loans / Deposits91.41%79.12%83.79%81.62%82.20%80.70%79.90%84.54%+292 bps
Liquid Assets / Assets6.13%15.69%10.99%12.90%13.66%17.56%18.40%14.71%+180 bps
CRE / Total Capitaln/an/an/an/a354%374%372%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 2026-10-12

Promiseone Bank

Duluth, GA · Cert 58657 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Promiseone Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$812.2MAssets
$619.0MLoans
$732.2MDeposits
$69.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 65% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 8 of 20).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.22%

Rank 13 of 20

Net Interest Margin

3.05%

Rank 17 of 20

Efficiency Ratio

58.13%

Rank 8 of 20

Equity / Assets

8.58%

Rank 19 of 20

Non-interest income vs. expense

$5.2M$18.0MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 65% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 58.13%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%1.08%1.42%1.85%Beats 35%13 / 20
Return on Equity14.21%9.57%13.48%17.30%Beats 60%8 / 20
Net Interest Margin3.05%3.38%3.99%4.50%Beats 15%17 / 20
Efficiency Ratio58.13%47.39%61.42%73.60%Beats 65%8 / 20
Asset Quality
Nonperforming Loans / Loans0.81%0.05%0.79%1.63%Beats 47%11 / 19
Net Charge-Offs / Loans0.05%n/a0.00%0.03%Beats 16%17 / 19
Capital
Tier 1 Capital Ratio15.70%13.64%16.79%19.57%Beats 40%12 / 20
Total Risk-Based Capital Ratio16.82%14.77%17.61%20.82%Beats 40%12 / 20
Equity / Assets8.58%9.66%10.94%13.62%Beats 5%19 / 20
Liquidity & Funding
Loans / Deposits84.54%70.35%84.66%95.83%45th pctl11 / 20
Loans / Assets76.22%62.58%72.89%77.86%70th pctl6 / 20
Brokered Deposits / Depositsn/aNot reported for this institution