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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ3 2024Q2 2026
Deposit mix
47%Interest-bearing $298.7M53%Noninterest $341.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.72%1.54%1.26%1.16%1.04%1.14%0.98%-29 bps
Return on Equity6.73%6.87%15.73%12.91%11.76%10.43%11.48%9.86%-305 bps
Net Interest Margin3.55%3.33%3.65%3.70%3.73%3.61%3.59%3.88%+17 bps
Efficiency Ratio78.52%78.89%63.49%67.48%70.70%72.83%71.30%74.39%+691 bps
Non-Interest Burden2.47%2.33%1.71%2.05%2.19%2.25%2.25%2.60%+55 bps
Growth
Asset Growth (YoY)12.71%30.45%17.17%17.91%15.87%0.98%16.95%8.85%-907 bps
Loan Growth (YoY)18.82%10.40%8.39%6.73%3.29%7.77%6.92%5.72%-100 bps
Deposit Growth (YoY)32.65%34.40%20.45%32.57%24.31%-0.08%18.03%9.21%-2,337 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.53%0.48%0.38%0.22%0.19%0.18%0.16%-21 bps
Net Charge-Offs / Loans0.02%0.02%0.00%0.03%0.02%0.02%-0.01%0.00%-3 bps
Allowance / Loans1.23%1.29%1.26%1.20%1.24%1.26%1.24%1.19%-1 bps
Allowance Coverage of NPLs4.4x2.4x2.6x3.2x5.7x6.6x6.9x7.4x+4.2x
Capital
Tier 1 Leverage Ratio10.75%10.44%9.25%9.65%10.12%10.10%8.53%9.77%+12 bps
Total Risk-Based Capital15.54%16.03%16.01%15.56%16.15%16.41%16.40%16.29%+73 bps
Equity / Assets10.61%9.30%10.26%9.81%10.18%10.27%9.63%9.81%0 bps
Liquidity & Funding
Loans / Deposits104.18%79.70%88.93%87.32%86.57%85.97%80.57%84.54%-278 bps
Liquid Assets / Assets6.86%23.02%15.24%15.95%17.02%17.07%19.78%16.52%+57 bps
CRE / Total Capitaln/an/an/an/a352%354%340%n/an/a