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Surety Bank

Deland, FL · Cert 33026 · Surety Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

59

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

Surety Bank

Deland, FL · Cert 33026 · Surety Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$213.7MAssets
$102.7MLoans
$189.6MDeposits
$23.8MEquity
Loan mix
88%RE $87.5M12%C&I $11.7M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $122.9M35%Noninterest $66.7MQ2 2025Q2 2026

NIM

4.20%Q2 ’243.86%Q2 ’254.08%Q2 ’26-5%+0%

Non-interest income vs. expense

3.31%Q2 ’243.83%Q2 ’253.48%Q2 ’26+211%+59%

Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2026 SOD (annual) · 1.3% share · #16 of 20 inst. · $0.2B of $15.0B

Executive Summary

  • Earnings: ROA of 1.62%, down 10 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.22% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.24%, down 13 bps from a year ago.
  • Funding: loans stand at 54.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.48%0 bps YoY

Efficiency Ratio (YTD, annualized)

61.41%-114 bps YoY

Tier 1 Leverage Ratio

13.24%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.87%1.91%1.32%1.62%-10 bps
Return on Equity18.28%19.34%19.04%12.29%14.89%-339 bps
Net Interest Margin2.48%2.42%2.49%2.38%2.48%0 bps
Efficiency Ratio62.55%60.95%60.52%67.60%61.41%-114 bps
Non-Interest Burden0.19%-0.03%0.00%0.64%0.30%+11 bps
Growth
Asset Growth (YoY)3.17%-0.76%0.04%4.56%0.55%-262 bps
Loan Growth (YoY)10.56%9.35%24.08%42.34%20.07%+951 bps
Deposit Growth (YoY)3.51%-1.06%-3.77%3.60%-1.79%-531 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.34%0.29%0.25%0.22%-12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.30%1.37%1.24%1.19%1.28%-2 bps
Allowance Coverage of NPLs3.8x4.0x4.3x4.8x5.8x+2.0x
Capital
Tier 1 Leverage Ratio13.37%13.57%13.95%12.93%13.24%-13 bps
Total Risk-Based Capital26.48%28.16%26.48%24.65%24.93%-155 bps
Equity / Assets9.09%10.46%11.65%9.93%11.15%+206 bps
Liquidity & Funding
Loans / Deposits44.29%44.55%54.03%49.33%54.15%+986 bps
Liquid Assets / Assets18.42%14.56%5.56%14.93%9.27%-915 bps
CRE / Total Capitaln/a208%242%273%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

Surety Bank

Deland, FL · Cert 33026 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Surety Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$213.7MAssets
$102.7MLoans
$189.6MDeposits
$23.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets operating in a single state (rank 698 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.59%

Rank 147 of 746

Net Interest Margin

2.48%

Rank 698 of 746

Efficiency Ratio

61.41%

Rank 304 of 746

Equity / Assets

11.15%

Rank 310 of 746

Non-interest income vs. expense

$6.9M$7.5MINCOMEEXPENSE
Unfavorable gap of $0.6M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state
Bank 61.41%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%0.72%1.06%1.45%Beats 80%147 / 746
Return on Equity14.24%6.74%10.51%13.63%Beats 79%160 / 746
Net Interest Margin2.48%3.17%3.68%4.16%Beats 6%698 / 746
Efficiency Ratio61.41%55.74%64.58%75.47%Beats 59%304 / 746
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.42%1.07%Beats 65%265 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio23.84%11.55%13.75%17.60%Beats 90%75 / 746
Total Risk-Based Capital Ratio24.93%11.71%14.33%18.43%Beats 90%75 / 746
Equity / Assets11.15%8.90%10.51%13.06%Beats 58%310 / 746
Liquidity & Funding
Loans / Deposits54.15%61.31%78.27%90.78%16th pctl624 / 746
Loans / Assets48.04%53.60%66.97%76.08%18th pctl609 / 746
Brokered Deposits / Depositsn/aNot reported for this institution