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Marine Bank & Trust Company

Vero Beach, FL · Cert 34233 · Marine Bcorp of Florida Inc.

State charter, non-member · FDIC · 5 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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=495 to 541). 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

44

Q2 2024Q4 2025peer median (50)

Asset Quality

82

Q2 2024Q4 2025peer median (50)

Profitability

30

Q2 2024Q4 2025peer median (50)

Liquidity

88

Q2 2024Q4 2025peer median

Efficiency

42

Q2 2024Q4 2025peer 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

Marine Bank & Trust Company

Vero Beach, FL · Cert 34233 · Marine Bcorp of Florida Inc.

State charter, non-member · FDIC · 5 branches

Q4 2025

$657.3MAssets
$475.6MLoans
$580.8MDeposits
$51.8MEquity
Loan mix
94%RE $434.8M6%C&I $29.0M0%Consumer $0.7MQ4 2024Q4 2025
Deposit mix
74%Interest-bearing $427.7M26%Noninterest $153.1MQ4 2024Q4 2025

NIM

4.20%Q4 ’234.58%Q4 ’244.55%Q4 ’25-11%+10%

Non-interest income vs. expense

2.01%Q4 ’232.08%Q4 ’242.18%Q4 ’25+4%+5%

Market Position · Sebastian-Vero Beach-West Vero Corridor, FL · 2025 SOD (annual) · 7.6% share · #7 of 17 inst. · $0.5B of $5.9B

7.6% Indian River
0.6% Brevard
0.9% St. Lucie

Executive Summary

  • Earnings: ROA of 0.67%, up 17 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.92%, up 79 bps from a year ago.
  • Funding: loans stand at 81.89% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.67%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+26 bps YoY

Efficiency Ratio (YTD, annualized)

71.24%-312 bps YoY

Tier 1 Leverage Ratio

9.92%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.50%0.58%0.61%0.63%0.67%+17 bps
Return on Equity7.77%8.70%8.94%8.96%9.32%+155 bps
Net Interest Margin2.49%2.67%2.71%2.75%2.75%+26 bps
Efficiency Ratio74.36%74.30%73.46%72.72%71.24%-312 bps
Non-Interest Burden1.78%1.91%1.91%1.91%1.87%+9 bps
Growth
Asset Growth (YoY)-1.29%-3.56%-1.57%-2.64%1.76%+305 bps
Loan Growth (YoY)-1.05%0.58%1.37%1.51%5.98%+703 bps
Deposit Growth (YoY)-2.52%0.01%0.24%1.26%2.06%+458 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.54%1.54%1.53%1.51%1.44%-10 bps
Allowance Coverage of NPLsn/an/an/an/a70.5xn/a
Capital
Tier 1 Leverage Ratio9.13%9.33%9.60%9.89%9.92%+79 bps
Total Risk-Based Capital15.32%15.56%15.64%15.78%15.96%+64 bps
Equity / Assets6.56%6.80%7.08%7.64%7.88%+132 bps
Liquidity & Funding
Loans / Deposits78.87%75.07%78.81%79.43%81.89%+303 bps
Liquid Assets / Assets4.10%3.58%1.66%2.22%2.47%-164 bps
CRE / Total Capitaln/an/an/a307%307%n/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

Marine Bank & Trust Company

Vero Beach, FL · Cert 34233 · Peer group: banks under $1B in assets (n=495-541) · Marine Bcorp of Florida Inc.

State charter, non-member · FDIC · 5 branches

Q4 2025

$657.3MAssets
$475.6MLoans
$580.8MDeposits
$51.8MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets (rank 477 of 541).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.66%

Rank 388 of 541

Net Interest Margin

2.75%

Rank 436 of 541

Efficiency Ratio

71.24%

Rank 314 of 540

Equity / Assets

7.88%

Rank 477 of 541

Non-interest income vs. expense

$2.0M$14.1MINCOMEEXPENSE
Unfavorable gap of $12.1M · efficiency ratio beats 42% of banks under $1B in assets
Bank 71.24%Peer median 68.7%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.56%0.97%1.38%Beats 28%388 / 541
Return on Equity8.32%5.68%9.28%12.43%Beats 42%312 / 541
Net Interest Margin2.75%2.87%3.39%3.85%Beats 19%436 / 541
Efficiency Ratio71.24%58.91%68.65%80.35%Beats 42%314 / 540
Asset Quality
Nonperforming Loans / Loans0.02%0.07%0.34%1.07%Beats 82%88 / 495
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.70%10.99%13.81%17.99%Beats 58%229 / 541
Total Risk-Based Capital Ratio15.96%11.43%14.30%18.80%Beats 61%211 / 541
Equity / Assets7.88%8.87%10.43%13.26%Beats 12%477 / 541
Liquidity & Funding
Loans / Deposits81.89%65.07%79.29%92.66%55th pctl222 / 495
Loans / Assets72.36%55.91%67.98%77.76%60th pctl199 / 495
Brokered Deposits / Deposits0.00%n/an/a3.32%Beats 100%289 / 506