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DLP Bank

Starke, FL · Cert 17734 · Regent Capital Corp.

State charter, non-member · FDIC · 3 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

26

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

DLP Bank

Starke, FL · Cert 17734 · Regent Capital Corp.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (10 in holding)

Q2 2026

$301.4MAssets
$118.8MLoans
$241.5MDeposits
$58.2MEquity
Loan mix
81%RE $94.2M18%C&I $21.0M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $153.2M37%Noninterest $88.3MQ2 2025Q2 2026

NIM

5.45%Q2 ’245.62%Q2 ’254.99%Q2 ’26-1%-17%

Non-interest income vs. expense

4.45%Q2 ’243.68%Q2 ’253.64%Q2 ’26-19%+0%

Executive Summary

  • Earnings: ROA of 0.84%, down 83 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 1.45% of loans (-102 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 15.32%, down 32 bps from a year ago.
  • Funding: loans stand at 49.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-83 bps YoY

Net Interest Margin (YTD, annualized)

4.53%-93 bps YoY

Efficiency Ratio (YTD, annualized)

68.30%+1,301 bps YoY

Tier 1 Leverage Ratio

15.32%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.58%0.28%0.80%0.84%-83 bps
Return on Equity9.00%8.45%1.50%4.21%4.40%-460 bps
Net Interest Margin5.47%5.57%0.89%4.77%4.53%-93 bps
Efficiency Ratio55.28%55.84%53.71%69.21%68.30%+1,301 bps
Non-Interest Burden3.03%3.11%0.45%3.20%3.04%+1 bps
Growth
Asset Growth (YoY)-7.06%-1.30%22.50%22.59%19.73%+2,679 bps
Loan Growth (YoY)9.38%1.93%1.88%2.57%11.78%+240 bps
Deposit Growth (YoY)-10.29%-3.28%21.70%22.32%18.84%+2,913 bps
Asset Quality
Nonperforming Loans / Loans2.47%2.42%3.29%3.26%1.45%-102 bps
Net Charge-Offs / Loans0.04%0.03%0.02%0.13%0.10%+6 bps
Allowance / Loans1.63%1.68%3.68%3.62%1.76%+13 bps
Allowance Coverage of NPLs0.7x0.7x1.1x1.1x1.2x+0.6x
Capital
Tier 1 Leverage Ratio15.64%16.80%16.01%16.39%15.32%-32 bps
Total Risk-Based Capital15.64%16.80%16.01%16.39%15.32%-32 bps
Equity / Assets18.75%19.02%18.91%18.91%19.32%+57 bps
Liquidity & Funding
Loans / Deposits52.28%51.34%47.49%47.69%49.18%-310 bps
Liquid Assets / Assets22.13%23.35%29.80%31.56%29.73%+760 bps
CRE / Total Capitaln/a150.80%156.45%152.78%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

DLP Bank

Starke, FL · Cert 17734 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Regent Capital Corp.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (10 in holding)

Q2 2026

$301.4MAssets
$118.8MLoans
$241.5MDeposits
$58.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 95% of banks under $1B in assets operating in a single state (rank 40 of 746).
  • Widest gap: return on equity trails 84% of banks under $1B in assets operating in a single state (rank 628 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.84%

Rank 492 of 746

Net Interest Margin

4.53%

Rank 85 of 746

Efficiency Ratio

75.09%

Rank 556 of 746

Equity / Assets

19.32%

Rank 40 of 746

Non-interest income vs. expense

$1.7M$10.3MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 26% of banks under $1B in assets operating in a single state
Bank 75.09%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.72%1.06%1.45%Beats 34%492 / 746
Return on Equity4.36%6.74%10.51%13.63%Beats 16%628 / 746
Net Interest Margin4.53%3.17%3.68%4.16%Beats 89%85 / 746
Efficiency Ratio75.09%55.74%64.58%75.47%Beats 26%556 / 746
Asset Quality
Nonperforming Loans / Loans1.45%0.09%0.42%1.07%Beats 18%613 / 743
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 20%595 / 743
Capital
Tier 1 Capital Ratio15.32%11.55%13.75%17.60%Beats 64%272 / 746
Total Risk-Based Capital Ratio15.32%11.71%14.33%18.43%Beats 58%312 / 746
Equity / Assets19.32%8.90%10.51%13.06%Beats 95%40 / 746
Liquidity & Funding
Loans / Deposits49.18%61.31%78.27%90.78%12th pctl655 / 746
Loans / Assets39.40%53.60%66.97%76.08%9th pctl677 / 746
Brokered Deposits / Depositsn/aNot reported for this institution