First Jackson Bank, Inc.

Stevenson, AlabamaFDIC Cert #23376

STATEEstablished 19817 branches

Holding company: 1ST JACKSON BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$43.9M
Investor CRE	$96.8M
Multifamily	$588K
Construction	$40.8M
1–4 family	$80.7M
C&I	$29.3M
Agriculture	$9.14M
Other	$16.8M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$318M

+6.9%y/y

Percentile by value44th percentileby value

FDICLNLSGR

Net loans

$315M

+6.9%y/y

Percentile by value44th percentileby value

FDICLNLSNET

Loans YoY

+6.92%

+511.0%y/y

Percentile by value57th percentileby value

FDICLNLSNET

L/D

88.2%

+5.8%y/y

Percentile by value68th percentileby value

FDICLNLSNET + DEP

Loans/assets

71.6%

+5.2%y/y

Percentile by value56th percentileby value

FDICLNLSNET + ASSET

RE loans %

85.43%

+2.4%y/y

Percentile by value50th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,019points

+10.8%y/y

Peer standing60th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

13.81%

−7.0%y/y

Percentile by value59th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

30.44%

+24.9%y/y

Percentile by value90th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.20%

−10.9%y/y

Percentile by value49th percentileby value

FDICLNCI + LNLSGR