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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.25%	0.21%	0.37%	0.42%	0.53%	+28 bps
Return on Equity	1.30%	1.12%	1.73%	1.41%	1.79%	+49 bps
Net Interest Margin	4.03%	3.67%	3.54%	4.00%	4.15%	+13 bps
Efficiency Ratio	93.84%	93.87%	88.56%	84.34%	77.12%	-1,673 bps
Non-Interest Burden	3.75%	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 / Loans	0.25%	0.22%	0.14%	0.14%	0.00%	-25 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.08%	+9 bps
Allowance / Loans	0.75%	0.72%	0.75%	0.76%	0.82%	+7 bps
Allowance Coverage of NPLs	3.0x	3.3x	5.4x	5.5x	383.4x	+380.4x
Capital
Tier 1 Leverage Ratio	19.57%	17.58%	30.32%	29.19%	29.81%	+1,024 bps
Total Risk-Based Capital	37.12%	37.56%	68.53%	64.71%	62.18%	+2,506 bps
Equity / Assets	18.42%	17.22%	30.60%	29.34%	29.04%	+1,061 bps
Liquidity & Funding
Loans / Deposits	106.71%	103.92%	111.71%	106.57%	113.19%	+648 bps
Liquid Assets / Assets	13.12%	14.13%	19.57%	21.60%	17.33%	+421 bps
CRE / Total Capital	n/a	21.35%	11.46%	9.93%	n/a	n/a