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American Bank of the Carolinas

Monroe, NC · Cert 59157

State charter, non-member · FDIC · 3 branches

Q2 2026

$214.0MAssets
$168.2MLoans
$183.8MDeposits
$26.3MEquity
Loan mix
93%RE $146.4M6%C&I $10.2M1%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $134.6M27%Noninterest $49.2MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.92%Q2 ’255.72%Q2 ’26+3%+1%

Non-interest income vs. expense

3.03%Q2 ’243.02%Q2 ’252.70%Q2 ’26+0%-11%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #29 of 47 inst. · $0.2B of $432.7B

Executive Summary

  • Earnings: ROA of 1.45%, up 32 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.27%, down 85 bps from a year ago.
  • Funding: loans stand at 91.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+3 bps YoY

Efficiency Ratio (YTD, annualized)

57.66%-705 bps YoY

Tier 1 Leverage Ratio

12.27%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.24%1.31%1.40%1.45%+32 bps
Return on Equity9.97%10.70%11.32%12.60%12.65%+268 bps
Net Interest Margin4.42%4.37%4.29%4.41%4.45%+3 bps
Efficiency Ratio64.71%63.07%63.07%57.60%57.66%-705 bps
Non-Interest Burden2.78%2.66%2.61%2.44%2.47%-30 bps
Growth
Asset Growth (YoY)8.39%6.44%7.66%26.11%8.01%-39 bps
Loan Growth (YoY)14.63%23.25%19.27%14.57%17.77%+315 bps
Deposit Growth (YoY)7.57%5.79%6.08%28.46%7.63%+5 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.00%0.98%0.99%0.99%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.12%12.90%12.44%12.22%12.27%-85 bps
Total Risk-Based Capital13.12%12.90%12.44%12.22%12.27%-85 bps
Equity / Assets11.73%12.02%11.73%10.55%12.30%+58 bps
Liquidity & Funding
Loans / Deposits83.65%87.51%83.65%74.21%91.53%+788 bps
Liquid Assets / Assets3.19%0.19%6.36%0.26%0.36%-283 bps
CRE / Total Capitaln/a296%277%280%n/an/a