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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