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First Bank of Pike

Zebulon, GA · Cert 9070

State charter, non-member · FDIC · 3 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

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

25

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 2026-10-11

First Bank of Pike

Zebulon, GA · Cert 9070

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.5MAssets
$54.8MLoans
$77.8MDeposits
$8.5MEquity
Loan mix
80%RE $43.9M7%C&I $3.9M13%Consumer $7.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $50.9M35%Noninterest $26.9MQ2 2025Q2 2026

NIM

6.30%Q2 ’246.55%Q2 ’256.38%Q2 ’26+3%-5%

Non-interest income vs. expense

4.90%Q2 ’245.15%Q2 ’254.83%Q2 ’26+1%-9%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.0% share · #61 of 81 inst. · $0.1B of $255.1B

Executive Summary

  • Earnings: ROA of 1.30%, up 13 bps year over year; NIM at 5.25%.
  • Asset quality: problem loans at 0.79% of loans (-41 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.91%, unchanged from a year ago.
  • Funding: loans stand at 70.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+13 bps YoY

Net Interest Margin (YTD, annualized)

5.25%-25 bps YoY

Efficiency Ratio (YTD, annualized)

73.60%-247 bps YoY

Tier 1 Leverage Ratio

9.91%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.17%1.10%1.28%1.30%+13 bps
Return on Equity12.86%12.91%12.06%14.01%13.93%+107 bps
Net Interest Margin5.50%5.19%5.19%5.03%5.25%-25 bps
Efficiency Ratio76.07%76.65%77.37%73.90%73.60%-247 bps
Non-Interest Burden3.88%3.70%3.75%3.38%3.52%-36 bps
Growth
Asset Growth (YoY)11.69%14.57%15.95%13.71%4.62%-707 bps
Loan Growth (YoY)6.45%6.45%13.35%4.04%2.37%-408 bps
Deposit Growth (YoY)11.48%14.89%15.80%13.63%3.74%-774 bps
Asset Quality
Nonperforming Loans / Loans1.19%1.22%1.23%1.06%0.79%-41 bps
Net Charge-Offs / Loans0.12%-0.11%-0.03%0.01%0.11%-1 bps
Allowance / Loans1.47%1.60%1.60%1.62%1.62%+16 bps
Allowance Coverage of NPLs1.2x1.3x1.3x1.5x2.1x+0.8x
Capital
Tier 1 Leverage Ratio9.91%9.59%9.42%9.24%9.91%0 bps
Total Risk-Based Capital17.08%16.77%16.89%16.71%18.35%+127 bps
Equity / Assets8.95%9.07%9.22%9.11%9.66%+71 bps
Liquidity & Funding
Loans / Deposits71.29%69.38%71.04%68.21%70.35%-94 bps
Liquid Assets / Assets9.00%5.78%7.82%5.10%8.89%-11 bps
CRE / Total Capitaln/a270%278%239%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 2026-10-11

First Bank of Pike

Zebulon, GA · Cert 9070 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20)

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.5MAssets
$54.8MLoans
$77.8MDeposits
$8.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 2 of 20).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 19).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.30%

Rank 12 of 20

Net Interest Margin

5.25%

Rank 2 of 20

Efficiency Ratio

73.60%

Rank 16 of 20

Equity / Assets

9.66%

Rank 15 of 20

Non-interest income vs. expense

$1.2M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 25% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 73.60%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%1.08%1.42%1.85%Beats 40%12 / 20
Return on Equity13.48%9.57%13.48%17.30%Beats 50%10 / 20
Net Interest Margin5.25%3.38%3.99%4.50%Beats 90%2 / 20
Efficiency Ratio73.60%47.39%61.42%73.60%Beats 25%16 / 20
Asset Quality
Nonperforming Loans / Loans0.79%0.05%0.79%1.63%Beats 53%10 / 19
Net Charge-Offs / Loans0.12%n/a0.00%0.03%Beats 5%19 / 19
Capital
Tier 1 Capital Ratio17.09%13.64%16.79%19.57%Beats 55%9 / 20
Total Risk-Based Capital Ratio18.35%14.77%17.61%20.82%Beats 55%9 / 20
Equity / Assets9.66%9.66%10.94%13.62%Beats 25%15 / 20
Liquidity & Funding
Loans / Deposits70.35%70.35%84.66%95.83%25th pctl15 / 20
Loans / Assets62.58%62.58%72.89%77.86%25th pctl15 / 20
Brokered Deposits / Depositsn/aNot reported for this institution