ADVOCACY | COMMUNITY | EDUCATION | SERVICES

[Pages:19]ADVOCACY | COMMUNITY | EDUCATION | SERVICES

GEORGIA BANKING LANDSCAPE

Georgia Banking Snapshot

201 total banks with offices or deposits

156 Georgia-based banks* 45 out-of-state based banks** 2,182 branches

Banks HQ in 21 other states have offices or deposits in Georgia

Current Deposit Market Share**

31% 69%

GA HQ Out of State

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*FDIC Institution Directory April 5, 2021 **S&P Global Market Intelligence "current" banks with GA market share, April 5, 2021

GEORGIA BANKING LANDSCAPE

Georgia Banks by Asset Size (156 Banks)

< $100 million $100 million to $250 million $250 million to $1 billion $1 billion to $10 billion > $10 billion

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GEORGIA BANKING LANDSCAPE

Median Georgia Bank by Assets Rabun County Bank, Clayton

? 47 employees ? Three offices ? Assets: $216 million ? Loans: $134 million ? Deposits: $184 million ? 11.82% leverage (core capital) ratio ? 1.01% return on assets ? 6.14% return on equity

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GEORGIA BANKING LANDSCAPE

Georgia Bank Performance Summary

Loans Deposits Assets Net income Capital and credit quality

2020 vs. 2019

All GA Banks + 10% +22% +17% -30% Strong

GA Community Banks (150) +17% +24% +24% -1.0% Strong

Momentum Built in Late 2020

Net income in Q3 and Q4 improved significantly Deposits grew; Loans retreated some Credit quality was relatively stable

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GEORGIA BANKING LANDSCAPE

Georgia Bank Consolidation

Georgia-Based Banks 2001-2021

400

350

347 341 345 344 349 352 352 334

306 300

268

250

242

228 223

210

200

194 183 177

168 165

157 156

150 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021

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GEORGIA BANKING LANDSCAPE

Consolidation and M&A Activity

Georgia M&A Transactions 2017-2021

In-State Mergers Out-of-State Buyers Banks New to GA Credit Union Conversion

Total 31

16 52% 17 55% 6 19% 4 13%

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GEORGIA BANKING LANDSCAPE

Georgia Banking Industry Snapshot ? Evolving Market

M&A Deals Completed/Announced Since Sept. 30, 2018

1. Cadence Bank/BancorpSouth Bank (MS/TX)* 2. Heritage First Bank/First National Community Bank* 3. Westside Bank / Piedmont Bank 4. Southern Bank & Trust / Pinnacle Bank 5. Southwest Georgia Bank / The First (MS) 6. Gwinnett Community Bank / First-Citizens Bank (NC) 7. Affinity Bank / Newton Federal Bank 8. First Covenant Bank / First Century Bank, N.A. 9. SunTrust Bank / BB&T (NC) 10. Northside Bank / First National Community Bank 11. Heritage Bank / Heritage Bank / Providence Bank 12. Fidelity Bank / Ameris Bank 13. Farmers & Merchants Bank / Morris Bank 14. Calumet Bank / Colony Bank 15. First Madison Bank / United Community Bank 16. Capital Bank / FNB Bank (AL) 17. State Bank & Trust / Cadence Bank (now GA HQ)

18. CharterBank / CenterState Bank (FL) 19. BrandBank / Renasant Bank (MS)

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Other Transactions 1. Wilkinson County Bank ? Investor purchase* 2. Peoples Bankshares, Inc ? Investor control 3. Citizens State Bank of Taylor County, Bank of

Terrell, Commercial State Bank: Georgia Community Bank 4. Georgia Banking Company ? Investor purchase

* Pending

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