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Edison National Bank

Fort Myers, FL · Cert 34489 · Edison Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$453.7MAssets
$149.7MLoans
$399.0MDeposits
$39.6MEquity
Loan mix
90%RE $133.8M7%C&I $10.2M3%Consumer $4.9MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $297.1M26%Noninterest $101.9MQ3 2024Q2 2026

Market Position · Cape Coral-Fort Myers, FL · 2026 SOD (annual) · 1.9% share · #13 of 34 inst. · $0.4B of $21.1B

Executive Summary

  • Earnings: ROA of 0.43%, down 34 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.03%, down 3 bps from a year ago.
  • Funding: loans stand at 37.51% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.43%-34 bps YoY

Net Interest Margin (quarter, annualized)

2.87%-26 bps YoY

Efficiency Ratio (quarter, annualized)

81.84%+798 bps YoY

Tier 1 Leverage Ratio

9.03%-3 bps YoY

NIM

4.32%Q2 ’244.14%Q2 ’254.03%Q2 ’26-12%-8%

Non-interest income vs. expense

2.44%Q2 ’242.79%Q2 ’252.48%Q2 ’26+2%+8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.58%0.47%0.77%0.52%0.49%0.52%0.43%-34 bps
Return on Equity11.79%7.13%5.82%9.25%6.02%5.80%6.38%5.18%-407 bps
Net Interest Margin3.53%3.30%3.14%3.14%3.13%3.03%2.88%2.87%-26 bps
Efficiency Ratio68.05%85.86%81.78%73.86%80.76%81.87%83.97%81.84%+798 bps
Non-Interest Burden2.32%2.80%2.54%2.15%2.48%2.41%2.39%2.32%+17 bps
Growth
Asset Growth (YoY)-8.42%-4.16%-3.13%-4.23%-1.57%0.10%8.05%11.15%+1,538 bps
Loan Growth (YoY)1.30%3.91%3.59%-4.61%-3.81%-2.59%-4.77%1.65%+627 bps
Deposit Growth (YoY)-9.10%-4.31%-3.69%-5.38%-1.46%0.14%9.32%12.86%+1,825 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.05%0.00%0.01%0.00%0 bps
Allowance / Loans1.60%1.44%1.46%1.46%1.49%1.46%1.38%1.38%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.03%9.03%9.03%9.06%9.10%9.04%9.02%9.03%-3 bps
Total Risk-Based Capital26.45%25.92%27.58%28.21%27.79%27.01%29.47%30.74%+253 bps
Equity / Assets8.34%7.99%8.05%8.65%8.56%8.29%7.98%8.72%+7 bps
Liquidity & Funding
Loans / Deposits42.93%41.83%40.50%41.65%41.90%40.69%35.28%37.51%-414 bps
Liquid Assets / Assets51.08%50.85%51.46%49.83%48.36%48.37%51.88%46.42%-340 bps
CRE / Total Capitaln/an/an/an/a114.00%120.50%110.20%n/an/a