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Brannen Bank

Inverness, FL · Cert 5676 · Brannen Banks of Florida Inc.

State charter, non-member · FDIC · 12 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 in a single state3

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 in a single state (n=257 to 258). 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

86

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

Brannen Bank

Inverness, FL · Cert 5676 · Brannen Banks of Florida Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets
$536.6MLoans
$991.9MDeposits
$37.0MEquity
Loan mix
98%RE $514.1M1%C&I $5.8M1%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $704.1M29%Noninterest $287.8MQ2 2025Q2 2026

NIM

4.83%Q2 ’244.86%Q2 ’254.82%Q2 ’26-1%-1%

Non-interest income vs. expense

1.71%Q2 ’241.74%Q2 ’251.75%Q2 ’26+4%0%

Market Position · Homosassa Springs, FL · 2026 SOD (annual) · 24.3% share · #2 of 9 inst. · $0.7B of $2.9B

24.3% Citrus
4.5% Hernando
1.9% Marion

Executive Summary

  • Earnings: ROA of 1.54%, down 3 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.45% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 6.07%, up 11 bps from a year ago.
  • Funding: loans stand at 54.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-3 bps YoY

Efficiency Ratio (YTD, annualized)

47.26%+41 bps YoY

Tier 1 Leverage Ratio

6.07%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.58%1.60%1.51%1.54%-3 bps
Return on Equity56.88%52.63%52.90%44.99%44.94%-1,194 bps
Net Interest Margin3.45%3.48%3.32%3.38%3.42%-3 bps
Efficiency Ratio46.85%47.14%46.75%47.59%47.26%+41 bps
Non-Interest Burden1.48%1.50%1.42%1.47%1.47%0 bps
Growth
Asset Growth (YoY)8.96%7.40%11.93%6.38%4.03%-492 bps
Loan Growth (YoY)14.32%10.31%10.61%7.51%7.42%-691 bps
Deposit Growth (YoY)8.61%7.29%11.03%5.66%3.37%-524 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.42%0.53%0.52%0.45%+4 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans0.77%0.75%0.75%0.74%0.73%-3 bps
Allowance Coverage of NPLs1.9x1.8x1.4x1.4x1.6x-0.2x
Capital
Tier 1 Leverage Ratio5.96%6.08%5.43%5.96%6.07%+11 bps
Total Risk-Based Capital15.96%16.11%15.06%15.83%15.95%-1 bps
Equity / Assets2.99%3.71%3.09%3.64%3.59%+59 bps
Liquidity & Funding
Loans / Deposits52.06%54.10%50.07%53.34%54.10%+204 bps
Liquid Assets / Assets24.60%21.28%19.21%21.87%22.94%-166 bps
CRE / Total Capitaln/a197.79%222%213%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

Brannen Bank

Inverness, FL · Cert 5676 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Brannen Banks of Florida Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets
$536.6MLoans
$991.9MDeposits
$37.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: equity / assets trails 100% of banks $1B-$10B in assets operating in a single state (rank 258 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.56%

Rank 64 of 258

Net Interest Margin

3.42%

Rank 141 of 258

Efficiency Ratio

47.26%

Rank 38 of 257

Equity / Assets

3.59%

Rank 258 of 258

Non-interest income vs. expense

$2.9M$18.5MINCOMEEXPENSE
Unfavorable gap of $15.6M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.93%1.23%1.54%Beats 75%64 / 258
Return on Equity43.43%9.26%11.84%14.74%Beats 99%3 / 258
Net Interest Margin3.42%3.16%3.49%3.88%Beats 45%141 / 258
Efficiency Ratio47.26%51.71%60.30%69.65%Beats 86%38 / 257
Asset Quality
Nonperforming Loans / Loans0.45%0.19%0.46%0.90%Beats 50%129 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio14.94%11.41%12.98%15.12%Beats 73%69 / 258
Total Risk-Based Capital Ratio15.95%12.10%13.91%16.08%Beats 74%67 / 258
Equity / Assets3.59%9.09%10.24%11.72%Beats 0%258 / 258
Liquidity & Funding
Loans / Deposits54.10%73.24%86.34%95.95%5th pctl245 / 258
Loans / Assets52.05%63.01%72.27%78.40%8th pctl237 / 258
Brokered Deposits / Depositsn/aNot reported for this institution