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Bank of Tampa, The

Tampa, FL · Cert 21031 · Tampa Bay Banking Co.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

57

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 Tampa, The

Tampa, FL · Cert 21031 · Tampa Bay Banking Co.

State charter, non-member · FDIC · 13 branches

Q2 2026

$3.0BAssets
$2.1BLoans
$2.7BDeposits
$295.2MEquity
Loan mix
79%RE $1.5B19%C&I $0.4B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $1.7B39%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.12%Q2 ’244.22%Q2 ’254.32%Q2 ’26+10%+3%

Non-interest income vs. expense

2.15%Q2 ’242.27%Q2 ’252.30%Q2 ’26+4%+2%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 2.0% share · #9 of 60 inst. · $2.6B of $131.5B

5.2% Hillsborough
0.4% Pinellas
0.4% Sarasota
0.3% Manatee

Executive Summary

  • Earnings: ROA of 1.25%, up 8 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.29% of loans (+8 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.97%, up 54 bps from a year ago.
  • Funding: loans stand at 76.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+11 bps YoY

Efficiency Ratio (YTD, annualized)

57.96%-72 bps YoY

Tier 1 Leverage Ratio

10.97%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.19%1.19%1.22%1.25%+8 bps
Return on Equity14.11%14.08%13.74%12.89%13.05%-106 bps
Net Interest Margin3.24%3.36%3.35%3.32%3.35%+11 bps
Efficiency Ratio58.68%56.17%56.32%58.11%57.96%-72 bps
Non-Interest Burden1.64%1.62%1.62%1.67%1.67%+3 bps
Growth
Asset Growth (YoY)3.20%1.93%-1.88%1.33%0.60%-260 bps
Loan Growth (YoY)9.11%8.04%9.33%7.02%10.60%+149 bps
Deposit Growth (YoY)2.54%1.47%-3.32%0.41%-0.60%-314 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.21%0.18%0.31%0.29%+8 bps
Net Charge-Offs / Loans-0.03%-0.03%0.03%0.02%0.03%+6 bps
Allowance / Loans1.36%1.38%1.36%1.37%1.33%-3 bps
Allowance Coverage of NPLs6.5x6.7x7.6x4.5x4.6x-1.9x
Capital
Tier 1 Leverage Ratio10.43%10.49%10.57%10.82%10.97%+54 bps
Total Risk-Based Capital15.79%16.03%16.09%16.06%15.77%-2 bps
Equity / Assets8.52%8.89%9.67%9.30%9.76%+124 bps
Liquidity & Funding
Loans / Deposits68.92%68.77%73.93%71.38%76.69%+777 bps
Liquid Assets / Assets12.80%15.18%10.76%13.96%9.50%-331 bps
CRE / Total Capitaln/a327%322%324%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 Tampa, The

Tampa, FL · Cert 21031 · Peer group: banks $1B-$10B in assets (n=322-328) · Tampa Bay Banking Co.

State charter, non-member · FDIC · 13 branches

Q2 2026

$3.0BAssets
$2.1BLoans
$2.7BDeposits
$295.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 70% of banks $1B-$10B in assets (rank 98 of 328).
  • Widest gap: equity / assets trails 61% of banks $1B-$10B in assets (rank 199 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.24%

Rank 157 of 328

Net Interest Margin

3.35%

Rank 190 of 328

Efficiency Ratio

57.96%

Rank 143 of 328

Equity / Assets

9.76%

Rank 199 of 328

Non-interest income vs. expense

$19.5M$70.8MINCOMEEXPENSE
Unfavorable gap of $51.3M · efficiency ratio beats 57% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.91%1.22%1.52%Beats 52%157 / 328
Return on Equity12.72%8.43%11.45%14.43%Beats 60%131 / 328
Net Interest Margin3.35%3.03%3.45%3.83%Beats 42%190 / 328
Efficiency Ratio57.96%51.61%59.56%67.53%Beats 57%143 / 328
Asset Quality
Nonperforming Loans / Loans0.29%0.24%0.51%1.03%Beats 69%101 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 63%121 / 322
Capital
Tier 1 Capital Ratio14.52%11.75%13.15%15.47%Beats 67%108 / 328
Total Risk-Based Capital Ratio15.77%12.63%14.15%16.46%Beats 70%98 / 328
Equity / Assets9.76%9.15%10.33%12.01%Beats 39%199 / 328
Liquidity & Funding
Loans / Deposits76.69%76.63%87.92%95.36%25th pctl242 / 323
Loans / Assets68.69%65.18%74.15%79.98%32nd pctl224 / 328
Brokered Deposits / Depositsn/aNot reported for this institution