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Natbank, National Association

Hollywood, FL · Cert 33959 · National Bank of Canada

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

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

Natbank, National Association

Hollywood, FL · Cert 33959 · National Bank of Canada

National charter · OCC · 4 branches

Q2 2026

$296.5MAssets
$234.0MLoans
$206.8MDeposits
$86.1MEquity
Loan mix
97%RE $211.6M2%C&I $4.4M0%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
51%Interest-bearing $106.2M49%Noninterest $100.5MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.28%Q2 ’255.14%Q2 ’26-4%+3%

Non-interest income vs. expense

4.44%Q2 ’244.19%Q2 ’253.27%Q2 ’26-10%-15%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #60 of 86 inst. · $0.2B of $348.8B

0.2% Broward
0.1% Palm Beach
0.1% Collier

Executive Summary

  • Earnings: ROA of 0.53%, up 28 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (-25 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 29.81%, up 1,024 bps from a year ago.
  • Funding: loans stand at 113.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+13 bps YoY

Efficiency Ratio (YTD, annualized)

77.12%-1,673 bps YoY

Tier 1 Leverage Ratio

29.81%+1,024 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.21%0.37%0.42%0.53%+28 bps
Return on Equity1.30%1.12%1.73%1.41%1.79%+49 bps
Net Interest Margin4.03%3.67%3.54%4.00%4.15%+13 bps
Efficiency Ratio93.84%93.87%88.56%84.34%77.12%-1,673 bps
Non-Interest Burden3.75%3.42%3.10%3.37%3.18%-57 bps
Growth
Asset Growth (YoY)9.22%9.59%19.32%26.11%22.38%+1,316 bps
Loan Growth (YoY)4.78%10.41%10.17%11.69%17.87%+1,309 bps
Deposit Growth (YoY)12.13%9.86%2.95%11.19%11.13%-100 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.22%0.14%0.14%0.00%-25 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.08%+9 bps
Allowance / Loans0.75%0.72%0.75%0.76%0.82%+7 bps
Allowance Coverage of NPLs3.0x3.3x5.4x5.5x383.4x+380.4x
Capital
Tier 1 Leverage Ratio19.57%17.58%30.32%29.19%29.81%+1,024 bps
Total Risk-Based Capital37.12%37.56%68.53%64.71%62.18%+2,506 bps
Equity / Assets18.42%17.22%30.60%29.34%29.04%+1,061 bps
Liquidity & Funding
Loans / Deposits106.71%103.92%111.71%106.57%113.19%+648 bps
Liquid Assets / Assets13.12%14.13%19.57%21.60%17.33%+421 bps
CRE / Total Capitaln/a21.35%11.46%9.93%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

Natbank, National Association

Hollywood, FL · Cert 33959 · Peer group: banks under $1B in assets (n=581-629) · National Bank of Canada

National charter · OCC · 4 branches

Q2 2026

$296.5MAssets
$234.0MLoans
$206.8MDeposits
$86.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets (rank 49 of 629).
  • Widest gap: return on equity trails 89% of banks under $1B in assets (rank 557 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.52%

Rank 500 of 629

Net Interest Margin

4.15%

Rank 129 of 629

Efficiency Ratio

77.12%

Rank 448 of 629

Equity / Assets

29.04%

Rank 57 of 629

Non-interest income vs. expense

$0.3M$9.5MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 29% of banks under $1B in assets
Bank 77.12%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.60%1.01%1.45%Beats 21%500 / 629
Return on Equity1.78%5.38%9.30%13.28%Beats 11%557 / 629
Net Interest Margin4.15%3.03%3.54%4.05%Beats 79%129 / 629
Efficiency Ratio77.12%58.35%67.79%79.08%Beats 29%448 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 86%83 / 581
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 30%407 / 581
Capital
Tier 1 Capital Ratio60.93%11.24%13.84%18.77%Beats 92%49 / 629
Total Risk-Based Capital Ratio62.18%11.58%14.43%19.66%Beats 92%49 / 629
Equity / Assets29.04%9.09%10.65%13.80%Beats 91%57 / 629
Liquidity & Funding
Loans / Deposits113.19%67.24%80.90%93.48%97th pctl19 / 594
Loans / Assets78.92%53.31%67.71%78.15%78th pctl141 / 629
Brokered Deposits / Depositsn/aNot reported for this institution