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Local Bank

Tuscaloosa, AL · Cert 9614 · Local Bcorp Inc.

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 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=581 to 629). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

5

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

Local Bank

Tuscaloosa, AL · Cert 9614 · Local Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$111.3MAssets
$86.3MLoans
$87.5MDeposits
$17.1MEquity
Loan mix
87%RE $74.9M11%C&I $9.8M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $76.3M13%Noninterest $11.1MQ2 2025Q2 2026

NIM

6.37%Q2 ’246.37%Q2 ’256.10%Q2 ’26-9%-6%

Non-interest income vs. expense

10.09%Q2 ’2412.36%Q2 ’2512.82%Q2 ’26-41%+29%

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 0.9% share · #18 of 30 inst. · $0.0B of $5.5B

1.0% Tuscaloosa
2.2% Covington
0.2% Madison

Executive Summary

  • Earnings: ROA of -1.47%, down 137 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.42% of loans (+132 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 14.29%, down 190 bps from a year ago.
  • Funding: loans stand at 98.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.47%-137 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-23 bps YoY

Efficiency Ratio (YTD, annualized)

111.08%+1,149 bps YoY

Tier 1 Leverage Ratio

14.29%-190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.10%0.20%-0.08%-2.19%-1.47%-137 bps
Return on Equity-0.57%1.19%-0.49%-13.42%-9.21%-864 bps
Net Interest Margin3.79%3.57%3.21%3.24%3.56%-23 bps
Efficiency Ratio99.59%96.51%100.73%118.37%111.08%+1,149 bps
Non-Interest Burden3.69%3.08%3.23%5.12%4.76%+108 bps
Growth
Asset Growth (YoY)56.57%78.12%40.20%24.18%17.67%-3,890 bps
Loan Growth (YoY)74.05%67.19%33.49%30.68%17.28%-5,677 bps
Deposit Growth (YoY)68.17%86.02%44.19%21.47%16.72%-5,145 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.11%1.74%1.43%1.42%+132 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%0.83%0.41%+43 bps
Allowance / Loans0.83%0.89%0.90%0.86%0.90%+7 bps
Allowance Coverage of NPLs7.8x8.0x0.5x0.6x0.6x-7.2x
Capital
Tier 1 Leverage Ratio16.19%17.42%14.48%14.72%14.29%-190 bps
Total Risk-Based Capital16.19%17.42%14.48%14.72%14.29%-190 bps
Equity / Assets15.85%16.69%16.31%16.38%15.33%-52 bps
Liquidity & Funding
Loans / Deposits98.26%88.38%95.99%109.84%98.74%+47 bps
Liquid Assets / Assets13.26%20.69%17.01%9.54%13.62%+36 bps
CRE / Total Capitaln/a204%240%234%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

Local Bank

Tuscaloosa, AL · Cert 9614 · Peer group: banks under $1B in assets (n=581-629) · Local Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$111.3MAssets
$86.3MLoans
$87.5MDeposits
$17.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 79% of banks under $1B in assets (rank 131 of 629).
  • Widest gap: return on equity trails 97% of banks under $1B in assets (rank 608 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-1.44%

Rank 605 of 629

Net Interest Margin

3.56%

Rank 302 of 629

Efficiency Ratio

111.08%

Rank 596 of 629

Equity / Assets

15.33%

Rank 131 of 629

Non-interest income vs. expense

$8.6M$13.7MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 5% of banks under $1B in assets
Bank 111.08%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.44%0.60%1.01%1.45%Beats 4%605 / 629
Return on Equity-9.40%5.38%9.30%13.28%Beats 3%608 / 629
Net Interest Margin3.56%3.03%3.54%4.05%Beats 52%302 / 629
Efficiency Ratio111.08%58.35%67.79%79.08%Beats 5%596 / 629
Asset Quality
Nonperforming Loans / Loans1.42%0.09%0.46%1.20%Beats 20%467 / 581
Net Charge-Offs / Loans0.25%n/a0.01%0.06%Beats 7%542 / 581
Capital
Tier 1 Capital Ratio14.29%11.24%13.84%18.77%Beats 54%290 / 629
Total Risk-Based Capital Ratio14.29%11.58%14.43%19.66%Beats 49%322 / 629
Equity / Assets15.33%9.09%10.65%13.80%Beats 79%131 / 629
Liquidity & Funding
Loans / Deposits98.74%67.24%80.90%93.48%84th pctl96 / 594
Loans / Assets77.58%53.31%67.71%78.15%73rd pctl167 / 629
Brokered Deposits / Depositsn/aNot reported for this institution