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Movement Bank

Danville, VA · Cert 9502

State charter, non-member · FDIC · 4 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

20

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

Movement Bank

Danville, VA · Cert 9502

State charter, non-member · FDIC · 4 branches

Q2 2026

$165.5MAssets
$109.5MLoans
$145.6MDeposits
$18.4MEquity
Loan mix
95%RE $108.9M5%C&I $5.3M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $91.7M37%Noninterest $53.9MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.12%Q2 ’255.05%Q2 ’26+13%+6%

Non-interest income vs. expense

5.06%Q2 ’244.69%Q2 ’255.85%Q2 ’26-6%-34%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #39 of 47 inst. · $0.1B of $432.7B

8.2% Lancaster
1.8% Randolph
1.4% Danville (City)
0.1% Buncombe

Executive Summary

  • Earnings: ROA of 0.96%, up 103 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.07% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.12%, up 178 bps from a year ago.
  • Funding: loans stand at 75.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+103 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+20 bps YoY

Efficiency Ratio (YTD, annualized)

82.95%-2,003 bps YoY

Tier 1 Leverage Ratio

11.12%+178 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.08%-0.13%-0.14%0.62%0.96%+103 bps
Return on Equity-0.81%-1.44%-1.42%5.54%8.55%+936 bps
Net Interest Margin3.21%3.17%3.17%3.20%3.41%+20 bps
Efficiency Ratio102.98%105.19%105.02%87.47%82.95%-2,003 bps
Non-Interest Burden3.30%3.36%3.35%2.40%2.17%-113 bps
Growth
Asset Growth (YoY)5.51%4.28%-1.81%3.00%1.38%-413 bps
Loan Growth (YoY)2.46%1.59%-4.19%-6.51%-10.37%-1,283 bps
Deposit Growth (YoY)10.44%-9.88%-18.46%1.58%-0.68%-1,112 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.21%0.92%0.60%0.07%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%0 bps
Allowance / Loans0.76%0.74%0.77%0.78%0.82%+6 bps
Allowance Coverage of NPLs10.8x3.5x0.8x1.3x12.3x+1.5x
Capital
Tier 1 Leverage Ratio9.34%8.88%10.36%10.44%11.12%+178 bps
Total Risk-Based Capital13.67%13.96%16.40%16.80%17.81%+415 bps
Equity / Assets9.16%9.42%11.52%10.95%11.13%+197 bps
Liquidity & Funding
Loans / Deposits83.33%100.41%105.38%79.55%75.20%-812 bps
Liquid Assets / Assets12.40%11.92%10.16%16.52%20.89%+850 bps
CRE / Total Capitaln/a500%416%413%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

Movement Bank

Danville, VA · Cert 9502 · Peer group: banks under $1B in assets (n=573-620)

State charter, non-member · FDIC · 4 branches

Q2 2026

$165.5MAssets
$109.5MLoans
$145.6MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets (rank 130 of 573).
  • Widest gap: efficiency ratio trails 80% of banks under $1B in assets (rank 495 of 620).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.93%

Rank 342 of 620

Net Interest Margin

3.41%

Rank 345 of 620

Efficiency Ratio

82.95%

Rank 495 of 620

Equity / Assets

11.13%

Rank 270 of 620

Non-interest income vs. expense

$6.1M$9.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 20% of banks under $1B in assets
Bank 82.95%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.60%1.00%1.45%Beats 45%342 / 620
Return on Equity8.37%5.30%9.30%13.29%Beats 44%349 / 620
Net Interest Margin3.41%3.02%3.53%4.04%Beats 44%345 / 620
Efficiency Ratio82.95%58.35%68.08%79.37%Beats 20%495 / 620
Asset Quality
Nonperforming Loans / Loans0.07%0.09%0.47%1.27%Beats 77%130 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 70%179 / 573
Capital
Tier 1 Capital Ratio16.95%11.27%13.87%18.78%Beats 69%194 / 620
Total Risk-Based Capital Ratio17.81%11.69%14.57%19.67%Beats 69%191 / 620
Equity / Assets11.13%9.03%10.60%13.73%Beats 56%270 / 620
Liquidity & Funding
Loans / Deposits75.20%65.08%79.69%92.47%41st pctl343 / 585
Loans / Assets66.15%51.85%67.17%77.86%49th pctl319 / 620
Brokered Deposits / Depositsn/aNot reported for this institution