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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

$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