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Credit First National Association

Brook Park, OH · Cert 33855

National charter · OCC · 1 branch

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=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

100

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

18

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

Credit First National Association

Brook Park, OH · Cert 33855

National charter · OCC · 1 branch

Q2 2026

$39.8MAssets
$0KLoans
$500KDeposits
$38.2MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ2 2025Q2 2026

NIM

0.01%Q2 ’240.01%Q2 ’250.01%Q2 ’26+12%-2%

Non-interest income vs. expense

119.22%Q2 ’24114.01%Q2 ’25119.01%Q2 ’26-18%+7%

Market Position · Cleveland, OH · 2026 SOD (annual) · 0.0% share · #34 of 35 inst. · $0.0B of $136.4B

Executive Summary

  • Earnings: ROA of 22.54%, down 244 bps year over year; NIM at -0.04%.
  • Capital: tier 1 leverage ratio of 98.26%, up 152 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

22.54%-244 bps YoY

Net Interest Margin (YTD, annualized)

-0.04%0 bps YoY

Efficiency Ratio (YTD, annualized)

80.06%+188 bps YoY

Tier 1 Leverage Ratio

98.26%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets24.98%26.80%28.95%16.74%22.54%-244 bps
Return on Equity25.97%27.87%30.09%17.38%23.43%-255 bps
Net Interest Margin-0.04%-0.04%-0.04%-0.05%-0.04%0 bps
Efficiency Ratio78.18%76.93%75.33%84.32%80.06%+188 bps
Non-Interest Burden-31.85%-33.02%-37.50%-22.36%-29.68%+217 bps
Growth
Asset Growth (YoY)0.23%1.37%2.20%1.06%-0.64%-87 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio96.74%91.36%96.34%101.32%98.26%+152 bps
Total Risk-Based Capital414%397%388%398%401%-1,387 bps
Equity / Assets96.17%96.13%96.32%96.25%96.04%-13 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets96.00%94.73%93.75%94.62%94.84%-115 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Credit First National Association

Brook Park, OH · Cert 33855 · Peer group: banks under $1B in assets operating in a single state (n=746)

National charter · OCC · 1 branch

Q2 2026

$39.8MAssets
$0KLoans
$500KDeposits
$38.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets operating in a single state (rank 1 of 746).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets operating in a single state (rank 746 of 746).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

22.52%

Rank 1 of 746

Net Interest Margin

-0.04%

Rank 746 of 746

Efficiency Ratio

80.06%

Rank 615 of 746

Equity / Assets

96.04%

Rank 2 of 746

Non-interest income vs. expense

$57.8M$46.3MINCOMEEXPENSE
Favorable gap of $11.5M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state
Bank 80.06%Peer median 64.6%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets22.52%0.72%1.06%1.45%Beats 100%1 / 746
Return on Equity23.45%6.74%10.51%13.63%Beats 98%17 / 746
Net Interest Margin-0.04%3.17%3.68%4.16%Beats 0%746 / 746
Efficiency Ratio80.06%55.74%64.58%75.47%Beats 18%615 / 746
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio401%11.55%13.75%17.60%Beats 100%2 / 746
Total Risk-Based Capital Ratio401%11.71%14.33%18.43%Beats 100%2 / 746
Equity / Assets96.04%8.90%10.51%13.06%Beats 100%2 / 746
Liquidity & Funding
Loans / Deposits0.00%61.31%78.27%90.78%0th pctl744 / 746
Loans / Assets0.00%53.60%66.97%76.08%0th pctl744 / 746
Brokered Deposits / Depositsn/aNot reported for this institution