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Florida Capital Bank, N.A.

Jacksonville, FL · Cert 26323 · Florida Capital Group Inc.

National charter · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=570 to 617). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

34

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

Florida Capital Bank, N.A.

Jacksonville, FL · Cert 26323 · Florida Capital Group Inc.

National charter · OCC · 5 branches

Q2 2026

$713.1MAssets
$540.9MLoans
$639.8MDeposits
$70.0MEquity
Loan mix
94%RE $444.9M6%C&I $27.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
47%Interest-bearing $298.7M53%Noninterest $341.1MQ2 2025Q2 2026

NIM

5.10%Q2 ’245.15%Q2 ’255.19%Q2 ’26-2%+5%

Non-interest income vs. expense

3.93%Q2 ’243.43%Q2 ’253.70%Q2 ’26-11%+27%

Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.4% share · #14 of 36 inst. · $0.5B of $120.9B

0.4% Duval
0.3% Orange
0.1% Hillsborough
0.3% Alachua

Executive Summary

  • Earnings: ROA of 0.98%, down 29 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.16% of loans (-21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.77%, up 12 bps from a year ago.
  • Funding: loans stand at 84.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+17 bps YoY

Efficiency Ratio (YTD, annualized)

74.39%+691 bps YoY

Tier 1 Leverage Ratio

9.77%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.16%1.04%1.14%0.98%-29 bps
Return on Equity12.91%11.76%10.43%11.48%9.86%-305 bps
Net Interest Margin3.70%3.73%3.61%3.59%3.88%+17 bps
Efficiency Ratio67.48%70.70%72.83%71.30%74.39%+691 bps
Non-Interest Burden2.05%2.19%2.25%2.25%2.60%+55 bps
Growth
Asset Growth (YoY)17.91%15.87%0.98%16.95%8.85%-907 bps
Loan Growth (YoY)6.73%3.29%7.77%6.92%5.72%-100 bps
Deposit Growth (YoY)32.57%24.31%-0.08%18.03%9.21%-2,337 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.22%0.19%0.18%0.16%-21 bps
Net Charge-Offs / Loans0.03%0.02%0.02%-0.01%0.00%-3 bps
Allowance / Loans1.20%1.24%1.26%1.24%1.19%-1 bps
Allowance Coverage of NPLs3.2x5.7x6.6x6.9x7.4x+4.2x
Capital
Tier 1 Leverage Ratio9.65%10.12%10.10%8.53%9.77%+12 bps
Total Risk-Based Capital15.56%16.15%16.41%16.40%16.29%+73 bps
Equity / Assets9.81%10.18%10.27%9.63%9.81%0 bps
Liquidity & Funding
Loans / Deposits87.32%86.57%85.97%80.57%84.54%-278 bps
Liquid Assets / Assets15.95%17.02%17.07%19.78%16.52%+57 bps
CRE / Total Capitaln/a352%354%340%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

Florida Capital Bank, N.A.

Jacksonville, FL · Cert 26323 · Peer group: banks under $1B in assets (n=570-617) · Florida Capital Group Inc.

National charter · OCC · 5 branches

Q2 2026

$713.1MAssets
$540.9MLoans
$639.8MDeposits
$70.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 69% of banks under $1B in assets (rank 178 of 570).
  • Widest gap: efficiency ratio trails 66% of banks under $1B in assets (rank 409 of 617).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.95%

Rank 335 of 617

Net Interest Margin

3.88%

Rank 201 of 617

Efficiency Ratio

74.39%

Rank 409 of 617

Equity / Assets

9.81%

Rank 376 of 617

Non-interest income vs. expense

$8.0M$26.9MINCOMEEXPENSE
Unfavorable gap of $18.9M · efficiency ratio beats 34% of banks under $1B in assets
Bank 74.39%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.60%1.01%1.45%Beats 46%335 / 617
Return on Equity9.67%5.30%9.43%13.30%Beats 51%300 / 617
Net Interest Margin3.88%3.04%3.54%4.05%Beats 67%201 / 617
Efficiency Ratio74.39%58.03%67.76%79.08%Beats 34%409 / 617
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.47%1.27%Beats 69%178 / 570
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 56%257 / 570
Capital
Tier 1 Capital Ratio15.04%11.18%13.83%18.55%Beats 60%247 / 617
Total Risk-Based Capital Ratio16.29%11.56%14.39%19.39%Beats 63%227 / 617
Equity / Assets9.81%9.03%10.55%13.63%Beats 39%376 / 617
Liquidity & Funding
Loans / Deposits84.54%64.77%79.70%93.06%57th pctl248 / 582
Loans / Assets75.85%51.70%67.18%77.51%70th pctl184 / 617
Brokered Deposits / Depositsn/aNot reported for this institution