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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

4.49%Q2 ’244.60%Q2 ’254.83%Q2 ’26+8%+2%

Non-interest income vs. expense

2.03%Q2 ’242.32%Q2 ’251.97%Q2 ’26+13%-23%

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 0.30%, up 1 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.98% of loans (+53 bps YoY), with net charge-offs at 0.10%.
  • 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 (quarter, annualized)

0.30%+1 bps YoY

Net Interest Margin (quarter, annualized)

2.57%+4 bps YoY

Efficiency Ratio (quarter, annualized)

69.00%-1,987 bps YoY

Tier 1 Leverage Ratio

13.20%-214 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%-7.20%0.21%0.36%0.30%+1 bps
Return on Equity1.78%-47.31%1.49%2.63%2.37%+59 bps
Net Interest Margin2.53%2.64%2.56%2.63%2.57%+4 bps
Efficiency Ratio88.87%59.66%80.97%81.17%69.00%-1,987 bps
Non-Interest Burden2.21%9.47%2.06%2.12%1.71%-50 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%0.46%0.01%0.10%+10 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