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City First Bank, National Association

Washington, DC · Cert 34352 · City First Enterprises Inc.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

12

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

City First Bank, National Association

Washington, DC · Cert 34352 · City First Enterprises Inc.

National charter · OCC · 3 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.2BDeposits
$188.4MEquity
Loan mix
80%RE $856.7M20%C&I $212.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $1.1B9%Noninterest $0.1BQ2 2025Q2 2026

NIM

4.39%Q2 ’244.67%Q2 ’254.61%Q2 ’26+13%-3%

Non-interest income vs. expense

2.12%Q2 ’242.75%Q2 ’252.05%Q2 ’26+30%-30%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #27 of 71 inst. · $0.9B of $301.4B

1.7% District of Columbia
0.1% Los Angeles

Executive Summary

  • Earnings: ROA of 0.32%, up 58 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.98% of loans (+53 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 13.20%, down 214 bps from a year ago.
  • Funding: loans stand at 96.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+58 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-7 bps YoY

Efficiency Ratio (YTD, annualized)

74.84%-2,924 bps YoY

Tier 1 Leverage Ratio

13.20%-214 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-2.56%-1.85%0.36%0.32%+58 bps
Return on Equity-1.57%-16.49%-12.19%2.63%2.50%+407 bps
Net Interest Margin2.58%2.49%2.43%2.63%2.51%-7 bps
Efficiency Ratio104.08%88.32%86.34%81.17%74.84%-2,924 bps
Non-Interest Burden2.65%4.85%4.01%2.12%1.84%-81 bps
Growth
Asset Growth (YoY)-8.92%-2.66%0.85%13.33%25.38%+3,430 bps
Loan Growth (YoY)4.24%4.94%1.75%6.68%15.24%+1,100 bps
Deposit Growth (YoY)13.65%22.75%20.67%34.59%35.93%+2,228 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.43%1.09%1.07%0.98%+53 bps
Net Charge-Offs / Loans0.00%0.00%0.12%0.01%0.06%+6 bps
Allowance / Loans1.00%0.94%0.92%0.89%0.95%-5 bps
Allowance Coverage of NPLs2.2x2.2x0.8x0.8x1.0x-1.3x
Capital
Tier 1 Leverage Ratio15.34%14.60%14.09%14.06%13.20%-214 bps
Total Risk-Based Capital15.34%14.60%14.09%14.06%13.20%-214 bps
Equity / Assets16.64%13.91%13.92%13.18%12.06%-457 bps
Liquidity & Funding
Loans / Deposits113.43%111.32%103.87%93.56%96.16%-1,727 bps
Liquid Assets / Assets2.15%1.31%0.58%1.70%2.94%+79 bps
CRE / Total Capitaln/a452%442%433%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

City First Bank, National Association

Washington, DC · Cert 34352 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · City First Enterprises Inc.

National charter · OCC · 3 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.2BDeposits
$188.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 78% of banks $1B-$10B in assets operating regionally (rank 39 of 176).
  • Widest gap: net interest margin trails 97% of banks $1B-$10B in assets operating regionally (rank 171 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.30%

Rank 171 of 176

Net Interest Margin

2.51%

Rank 171 of 176

Efficiency Ratio

75.60%

Rank 156 of 176

Equity / Assets

12.06%

Rank 39 of 176

Non-interest income vs. expense

$3.1M$30.3MINCOMEEXPENSE
Unfavorable gap of $27.2M · efficiency ratio beats 12% of banks $1B-$10B in assets operating regionally
Bank 75.60%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.93%1.26%1.54%Beats 3%171 / 176
Return on Equity2.49%9.26%11.89%14.46%Beats 3%171 / 176
Net Interest Margin2.51%3.25%3.59%3.93%Beats 3%171 / 176
Efficiency Ratio75.60%52.79%59.55%67.66%Beats 12%156 / 176
Asset Quality
Nonperforming Loans / Loans0.98%0.30%0.64%1.32%Beats 34%117 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 57%76 / 176
Capital
Tier 1 Capital Ratio13.20%11.15%12.72%14.15%Beats 59%72 / 176
Total Risk-Based Capital Ratio13.20%11.81%13.63%15.33%Beats 44%98 / 176
Equity / Assets12.06%9.16%10.35%11.80%Beats 78%39 / 176
Liquidity & Funding
Loans / Deposits96.16%80.94%89.73%97.21%73rd pctl47 / 176
Loans / Assets72.81%69.25%75.12%80.82%38th pctl109 / 176
Brokered Deposits / Depositsn/aNot reported for this institution