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Bank of Belle Glade

Belle Glade, FL · Cert 18930 · Belle Glade Bank Corp.

State charter, non-member · FDIC · 1 branch

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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

64

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

Bank of Belle Glade

Belle Glade, FL · Cert 18930 · Belle Glade Bank Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$160.1MAssets
$68.5MLoans
$145.4MDeposits
$13.6MEquity
Loan mix
93%RE $63.2M6%C&I $4.0M1%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $82.4M43%Noninterest $63.0MQ2 2025Q2 2026

NIM

4.42%Q2 ’244.05%Q2 ’254.25%Q2 ’26-3%+6%

Non-interest income vs. expense

2.20%Q2 ’241.69%Q2 ’252.13%Q2 ’26-22%+27%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.0% share · #63 of 86 inst. · $0.1B of $348.8B

Executive Summary

  • Earnings: ROA of 1.06%, down 27 bps year over year; NIM at 3.39%.
  • 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 10.23%, up 140 bps from a year ago.
  • Funding: loans stand at 47.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+18 bps YoY

Efficiency Ratio (YTD, annualized)

59.26%+935 bps YoY

Tier 1 Leverage Ratio

10.23%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.36%1.28%1.05%1.06%-27 bps
Return on Equity18.46%18.20%16.94%12.67%12.69%-576 bps
Net Interest Margin3.21%3.45%3.53%3.31%3.39%+18 bps
Efficiency Ratio49.91%50.21%52.92%59.59%59.26%+935 bps
Non-Interest Burden1.52%1.64%1.78%1.89%1.93%+41 bps
Growth
Asset Growth (YoY)31.77%11.51%11.44%-8.20%-4.77%-3,654 bps
Loan Growth (YoY)11.28%8.49%5.58%11.11%8.94%-234 bps
Deposit Growth (YoY)32.43%10.99%10.63%-9.87%-6.08%-3,852 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 / Loans0.72%0.68%0.68%0.66%0.66%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.83%9.35%9.55%9.85%10.23%+140 bps
Total Risk-Based Capital8.83%26.84%9.55%9.85%10.23%+140 bps
Equity / Assets7.36%8.21%8.07%8.47%8.52%+115 bps
Liquidity & Funding
Loans / Deposits40.61%47.34%45.76%48.22%47.10%+650 bps
Liquid Assets / Assets44.48%37.13%39.38%37.46%39.33%-515 bps
CRE / Total Capitaln/a140.55%136.68%134.12%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

Bank of Belle Glade

Belle Glade, FL · Cert 18930 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Belle Glade Bank Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$160.1MAssets
$68.5MLoans
$145.4MDeposits
$13.6MEquity

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: total risk-based capital ratio trails 90% of banks under $1B in assets operating in a single state (rank 669 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 382 of 746

Net Interest Margin

3.39%

Rank 489 of 746

Efficiency Ratio

59.26%

Rank 271 of 746

Equity / Assets

8.52%

Rank 601 of 746

Non-interest income vs. expense

$0.3M$3.3MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state
Bank 59.26%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.72%1.06%1.45%Beats 49%382 / 746
Return on Equity12.30%6.74%10.51%13.63%Beats 66%254 / 746
Net Interest Margin3.39%3.17%3.68%4.16%Beats 34%489 / 746
Efficiency Ratio59.26%55.74%64.58%75.47%Beats 64%271 / 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 Ratio10.23%11.55%13.75%17.60%Beats 11%662 / 746
Total Risk-Based Capital Ratio10.23%11.71%14.33%18.43%Beats 10%669 / 746
Equity / Assets8.52%8.90%10.51%13.06%Beats 19%601 / 746
Liquidity & Funding
Loans / Deposits47.10%61.31%78.27%90.78%10th pctl668 / 746
Loans / Assets42.78%53.60%66.97%76.08%12th pctl653 / 746
Brokered Deposits / Depositsn/aNot reported for this institution