PackageTrendsPeer
Letter portraitLegal landscape

Warrington Bank, The

Pensacola, FL · Cert 17193 · Five Flags Banks Inc.

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 assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

33

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

Warrington Bank, The

Pensacola, FL · Cert 17193 · Five Flags Banks Inc.

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)

Q2 2026

$173.9MAssets
$55.0MLoans
$145.0MDeposits
$28.9MEquity
Loan mix
94%RE $48.7M5%C&I $2.5M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $103.5M29%Noninterest $41.5MQ2 2025Q2 2026

NIM

2.81%Q2 ’243.03%Q2 ’253.44%Q2 ’26+23%+15%

Non-interest income vs. expense

2.07%Q2 ’242.29%Q2 ’252.30%Q2 ’26+12%+1%

Market Position · Pensacola-Ferry Pass-Brent, FL · 2026 SOD (annual) · 1.8% share · #13 of 20 inst. · $0.1B of $8.1B

Executive Summary

  • Earnings: ROA of 0.68%, up 28 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.72%, down 5 bps from a year ago.
  • Funding: loans stand at 37.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+39 bps YoY

Efficiency Ratio (YTD, annualized)

71.65%-967 bps YoY

Tier 1 Leverage Ratio

16.72%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.41%0.44%0.64%0.68%+28 bps
Return on Equity2.37%2.41%2.63%3.89%4.10%+174 bps
Net Interest Margin2.56%2.59%2.62%2.87%2.95%+39 bps
Efficiency Ratio81.31%81.05%79.53%72.48%71.65%-967 bps
Non-Interest Burden2.03%2.06%2.04%2.01%2.04%+1 bps
Growth
Asset Growth (YoY)-5.70%-5.40%3.69%3.81%2.73%+843 bps
Loan Growth (YoY)4.14%2.45%-8.09%-6.65%-1.89%-603 bps
Deposit Growth (YoY)3.38%0.21%3.99%4.14%2.78%-60 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.96%0.96%1.05%1.03%0.97%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.78%16.57%16.58%16.56%16.72%-5 bps
Total Risk-Based Capital16.78%16.57%16.58%16.56%16.72%-5 bps
Equity / Assets16.65%16.94%16.55%16.57%16.59%-5 bps
Liquidity & Funding
Loans / Deposits39.71%39.90%35.34%36.07%37.91%-180 bps
Liquid Assets / Assets62.82%64.64%66.00%65.94%65.51%+269 bps
CRE / Total Capitaln/a100.77%87.25%87.69%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

Warrington Bank, The

Pensacola, FL · Cert 17193 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Five Flags Banks Inc.

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)

Q2 2026

$173.9MAssets
$55.0MLoans
$145.0MDeposits
$28.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 86% of banks under $1B in assets operating in a single state (rank 639 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.68%

Rank 576 of 746

Net Interest Margin

2.95%

Rank 626 of 746

Efficiency Ratio

71.65%

Rank 501 of 746

Equity / Assets

16.59%

Rank 67 of 746

Non-interest income vs. expense

$0.4M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state
Bank 71.65%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.72%1.06%1.45%Beats 23%576 / 746
Return on Equity4.07%6.74%10.51%13.63%Beats 14%639 / 746
Net Interest Margin2.95%3.17%3.68%4.16%Beats 16%626 / 746
Efficiency Ratio71.65%55.74%64.58%75.47%Beats 33%501 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio16.72%11.55%13.75%17.60%Beats 71%218 / 746
Total Risk-Based Capital Ratio16.72%11.71%14.33%18.43%Beats 68%239 / 746
Equity / Assets16.59%8.90%10.51%13.06%Beats 91%67 / 746
Liquidity & Funding
Loans / Deposits37.91%61.31%78.27%90.78%4th pctl716 / 746
Loans / Assets31.60%53.60%66.97%76.08%4th pctl718 / 746
Brokered Deposits / Depositsn/aNot reported for this institution