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Letter portraitLegal landscapeQuarterYTD

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

5.29%Q2 ’245.43%Q2 ’255.26%Q2 ’26-2%+3%

Non-interest income vs. expense

4.31%Q2 ’244.03%Q2 ’253.08%Q2 ’26-7%-20%

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 0.63%, up 36 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.00% of loans (-25 bps YoY), with net charge-offs at 0.17%.
  • 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 (quarter, annualized)

0.63%+36 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+12 bps YoY

Efficiency Ratio (quarter, annualized)

70.35%-1,959 bps YoY

Tier 1 Leverage Ratio

29.81%+1,024 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.14%0.80%0.42%0.63%+36 bps
Return on Equity1.45%0.77%3.31%1.41%2.16%+71 bps
Net Interest Margin4.12%3.79%4.15%4.00%4.24%+12 bps
Efficiency Ratio89.95%93.92%75.52%84.34%70.35%-1,959 bps
Non-Interest Burden3.67%3.55%3.07%3.37%2.94%-73 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%-0.01%0.00%0.17%+17 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