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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 0.48%, down 14 bps year over year; NIM at 2.82%.
  • 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 (YTD, annualized)

0.48%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-34 bps YoY

Efficiency Ratio (YTD, annualized)

82.89%+530 bps YoY

Tier 1 Leverage Ratio

9.03%-3 bps YoY

NIM

4.29%Q2 ’244.15%Q2 ’253.93%Q2 ’26-12%-11%

Non-interest income vs. expense

2.43%Q2 ’242.76%Q2 ’252.47%Q2 ’26+14%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%0.98%0.47%0.62%0.59%0.56%0.52%0.48%-14 bps
Return on Equity14.81%12.90%5.82%7.57%7.06%6.76%6.38%5.77%-180 bps
Net Interest Margin3.67%3.61%3.14%3.16%3.21%3.13%2.88%2.82%-34 bps
Efficiency Ratio63.59%68.65%81.78%77.58%78.59%79.39%83.97%82.89%+530 bps
Non-Interest Burden2.22%2.38%2.54%2.36%2.44%2.41%2.39%2.31%-5 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%0.02%0.01%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