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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

0.02%Q2 ’240.02%Q2 ’250.02%Q2 ’26-1%+32%

Non-interest income vs. expense

117.02%Q2 ’24113.76%Q2 ’25118.95%Q2 ’26-22%0%

Financial Results

Return on Assets (quarter, annualized)

28.03%-64 bps YoY

Net Interest Margin (quarter, annualized)

-0.02%+1 bps YoY

Efficiency Ratio (quarter, annualized)

76.20%+78 bps YoY

Tier 1 Leverage Ratio

98.26%+152 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets28.67%30.14%35.48%16.74%28.03%-64 bps
Net Interest Margin-0.03%-0.05%-0.03%-0.05%-0.02%+1 bps
Non-Interest Burden-37.11%-37.25%-45.42%-22.36%-37.18%-7 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