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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=751 to 755). 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

76

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 $0.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $103.5M29%Noninterest $41.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.22%0.36%0.40%0.41%0.44%0.64%0.68%+28 bps
Return on Equity1.20%1.43%2.12%2.37%2.41%2.63%3.89%4.10%+174 bps
Net Interest Margin2.12%2.29%2.50%2.56%2.59%2.62%2.87%2.95%+39 bps
Efficiency Ratio89.67%87.82%82.81%81.31%81.05%79.53%72.48%71.65%-967 bps
Non-Interest Burden1.88%1.98%2.03%2.03%2.06%2.04%2.01%2.04%+1 bps
Growth
Asset Growth (YoY)-5.92%-9.98%-9.97%-5.70%-5.40%3.69%3.81%2.73%+843 bps
Loan Growth (YoY)2.46%1.01%1.85%4.14%2.45%-8.09%-6.65%-1.89%-603 bps
Deposit Growth (YoY)-10.05%-5.83%-3.20%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%0.97%0.96%0.96%0.96%1.05%1.03%0.97%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.35%16.37%16.92%16.78%16.57%16.58%16.56%16.72%-5 bps
Total Risk-Based Capital15.35%16.37%16.92%16.78%16.57%16.58%16.56%16.72%-5 bps
Equity / Assets15.72%16.79%16.87%16.65%16.94%16.55%16.57%16.59%-5 bps
Liquidity & Funding
Loans / Deposits39.03%39.98%40.24%39.71%39.90%35.34%36.07%37.91%-180 bps
Liquid Assets / Assets66.79%61.24%63.45%62.82%64.64%66.00%65.94%65.51%+269 bps
CRE / Total Capitaln/an/an/an/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=751-755) · 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 108 of 751).
  • Widest gap: return on equity trails 85% of banks under $1B in assets operating in a single state (rank 645 of 755).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.68%

Rank 583 of 755

Net Interest Margin

2.95%

Rank 629 of 755

Efficiency Ratio

71.65%

Rank 506 of 755

Equity / Assets

16.59%

Rank 74 of 755

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 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.68%0.72%1.06%1.45%Beats 23%583 / 755
Return on Equity4.07%6.66%10.44%13.61%Beats 15%645 / 755
Net Interest Margin2.95%3.15%3.68%4.17%Beats 17%629 / 755
Efficiency Ratio71.65%55.75%64.78%75.61%Beats 33%506 / 755
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.05%Beats 100%108 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 751
Capital
Tier 1 Capital Ratio16.72%11.56%13.81%17.74%Beats 70%224 / 755
Total Risk-Based Capital Ratio16.72%11.72%14.46%18.53%Beats 67%246 / 755
Equity / Assets16.59%8.93%10.56%13.13%Beats 90%74 / 755
Liquidity & Funding
Loans / Deposits37.91%62.43%78.62%91.00%4th pctl727 / 755
Loans / Assets31.60%54.70%67.27%76.55%3rd pctl729 / 755
Brokered Deposits / Depositsn/aNot reported for this institution