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Letter portraitLegal landscapeQuarterYTD

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%

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
Return on Assets24.98%26.80%28.95%16.74%22.54%-244 bps
Net Interest Margin-0.04%-0.04%-0.04%-0.05%-0.04%0 bps
Non-Interest Burden-31.85%-33.02%-37.50%-22.36%-29.68%+217 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Tier 1 Leverage Ratio96.74%91.36%96.34%101.32%98.26%+152 bps
Equity / Assets96.17%96.13%96.32%96.25%96.04%-13 bps
Liquid Assets / Assets96.00%94.73%93.75%94.62%94.84%-115 bps