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Cecil Bank

Elkton, MD · Cert 31121

FDIC · 4 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31 to 35). 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

38

Q2 2024Q4 2025peer median (50)

Asset Quality

32

Q2 2024Q4 2025peer median (50)

Profitability

38

Q2 2024Q4 2025peer median (50)

Liquidity

90

Q2 2024Q4 2025peer median

Efficiency

26

Q2 2024Q4 2025peer 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

Cecil Bank

Elkton, MD · Cert 31121

FDIC · 4 branches

Q4 2025

$218.7MAssets
$155.0MLoans
$187.6MDeposits
$29.5MEquity
Loan mix
15%RE $23.3M29%C&I $45.6M55%Consumer $85.8MQ4 2024Q4 2025
Deposit mix
83%Interest-bearing $155.0M17%Noninterest $32.6MQ4 2024Q4 2025

NIM

4.48%Q4 ’235.25%Q4 ’245.23%Q4 ’25-4%+9%

Non-interest income vs. expense

2.82%Q4 ’232.88%Q4 ’243.26%Q4 ’25+5%+14%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.0% share · #56 of 88 inst. · $0.2B of $648.1B

Executive Summary

  • Earnings: ROA of 0.29%, up 21 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.28% of loans (-79 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.67%, up 84 bps from a year ago.
  • Funding: loans stand at 82.66% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.29%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+28 bps YoY

Efficiency Ratio (YTD, annualized)

88.17%+672 bps YoY

Tier 1 Leverage Ratio

10.67%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.09%0.42%0.42%0.34%0.29%+21 bps
Return on Equity0.70%3.29%3.28%2.63%2.24%+154 bps
Net Interest Margin3.27%3.24%3.31%3.46%3.54%+28 bps
Efficiency Ratio81.45%80.44%81.86%85.83%88.17%+672 bps
Non-Interest Burden2.61%2.56%2.59%2.84%2.98%+37 bps
Growth
Asset Growth (YoY)-3.33%-4.28%-2.32%-3.72%-2.17%+116 bps
Loan Growth (YoY)-7.06%-7.97%-6.42%-6.75%-7.99%-93 bps
Deposit Growth (YoY)-1.97%-3.16%0.86%-1.45%-1.92%+5 bps
Asset Quality
Nonperforming Loans / Loans1.07%1.00%0.87%0.92%0.28%-79 bps
Net Charge-Offs / Loans0.66%0.06%0.10%0.08%0.17%-48 bps
Allowance / Loans1.05%1.08%1.06%1.08%1.00%-5 bps
Allowance Coverage of NPLs1.0x1.1x1.2x1.2x3.6x+2.6x
Capital
Tier 1 Leverage Ratio9.82%10.21%10.29%10.64%10.67%+84 bps
Total Risk-Based Capital13.01%13.48%13.84%14.32%14.52%+151 bps
Equity / Assets12.66%12.71%12.99%13.36%13.48%+82 bps
Liquidity & Funding
Loans / Deposits88.11%85.88%84.67%84.11%82.66%-545 bps
Liquid Assets / Assets7.73%10.04%10.11%11.26%12.53%+480 bps
CRE / Total Capitaln/an/an/a59.12%53.04%n/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

Cecil Bank

Elkton, MD · Cert 31121 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)

FDIC · 4 branches

Q4 2025

$218.7MAssets
$155.0MLoans
$187.6MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 26 of 35).
  • Widest gap: return on equity trails 83% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 29 of 35).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.30%

Rank 28 of 35

Net Interest Margin

3.54%

Rank 8 of 35

Efficiency Ratio

88.17%

Rank 27 of 35

Equity / Assets

13.48%

Rank 16 of 35

Non-interest income vs. expense

$0.6M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 26% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 88.17%Peer median 71.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.30%0.84%1.48%Beats 20%28 / 35
Return on Equity2.20%2.99%5.01%11.91%Beats 17%29 / 35
Net Interest Margin3.54%2.81%3.16%3.48%Beats 77%8 / 35
Efficiency Ratio88.17%56.98%71.38%88.17%Beats 26%27 / 35
Asset Quality
Nonperforming Loans / Loans0.28%0.00%0.19%0.90%Beats 32%22 / 31
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.73%12.92%18.93%34.69%Beats 31%24 / 35
Total Risk-Based Capital Ratio14.52%13.83%20.18%35.18%Beats 29%25 / 35
Equity / Assets13.48%9.35%11.63%18.66%Beats 54%16 / 35
Liquidity & Funding
Loans / Deposits82.66%69.97%86.01%99.72%45th pctl17 / 31
Loans / Assets70.90%61.12%72.08%80.57%45th pctl17 / 31
Brokered Deposits / Deposits0.00%n/an/a1.37%Beats 100%26 / 35