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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

5.08%Q2 ’245.15%Q2 ’255.16%Q2 ’26+17%+7%

Non-interest income vs. expense

5.24%Q2 ’244.75%Q2 ’256.28%Q2 ’26-10%-40%

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 1.27%, up 111 bps year over year; NIM at 3.56%.
  • 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 (quarter, annualized)

1.27%+111 bps YoY

Net Interest Margin (quarter, annualized)

3.56%+23 bps YoY

Efficiency Ratio (quarter, annualized)

79.42%-1,748 bps YoY

Tier 1 Leverage Ratio

11.12%+178 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%-0.25%-0.15%0.62%1.27%+111 bps
Return on Equity1.71%-2.68%-1.46%5.54%11.53%+982 bps
Net Interest Margin3.32%3.37%3.20%3.20%3.56%+23 bps
Efficiency Ratio96.90%109.62%104.53%87.47%79.42%-1,748 bps
Non-Interest Burden3.13%3.74%3.35%2.40%1.88%-124 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