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Members Trust Company

Tampa, FL · Cert 57470

State savings bank · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=594 to 629). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

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

Members Trust Company

Tampa, FL · Cert 57470

State savings bank · OCC · 4 branches

Q2 2026

$34.3MAssets
$0KLoans
$500KDeposits
$28.8MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ2 2025Q2 2026

NIM

3.63%Q2 ’243.24%Q2 ’252.91%Q2 ’26-14%-3%

Non-interest income vs. expense

91.47%Q2 ’2492.77%Q2 ’25104.70%Q2 ’26-13%-60%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.0% share · #58 of 60 inst. · $0.0B of $131.5B

0.0% Hillsborough
0.0% Arapahoe
0.0% Fairfax
0.0% El Paso

Executive Summary

  • Earnings: ROA of -1.07%, up 552 bps year over year; NIM at 3.13%.
  • Capital: tier 1 leverage ratio of 91.41%, up 461 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.07%+552 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-10 bps YoY

Efficiency Ratio (YTD, annualized)

101.01%-677 bps YoY

Tier 1 Leverage Ratio

91.41%+461 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-6.59%-6.88%-6.15%-0.84%-1.07%+552 bps
Return on Equity-8.03%-8.45%-7.51%-1.01%-1.28%+675 bps
Net Interest Margin3.23%3.21%3.50%3.15%3.13%-10 bps
Efficiency Ratio107.78%108.09%109.10%100.78%101.01%-677 bps
Non-Interest Burden9.94%10.30%11.54%3.75%3.97%-597 bps
Growth
Asset Growth (YoY)-5.53%-3.77%-9.61%-4.82%-6.15%-62 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio86.80%85.88%86.43%90.56%91.41%+461 bps
Total Risk-Based Capital86.80%85.88%86.43%90.56%91.41%+461 bps
Equity / Assets82.05%79.46%84.19%83.39%83.98%+193 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets9.68%11.55%6.49%5.93%7.00%-268 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Members Trust Company

Tampa, FL · Cert 57470 · Peer group: banks under $1B in assets (n=594-629)

State savings bank · OCC · 4 branches

Q2 2026

$34.3MAssets
$0KLoans
$500KDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks under $1B in assets (rank 26 of 629).
  • Widest gap: return on assets trails 95% of banks under $1B in assets (rank 600 of 629).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-1.08%

Rank 600 of 629

Net Interest Margin

3.13%

Rank 443 of 629

Efficiency Ratio

101.08%

Rank 585 of 629

Equity / Assets

83.98%

Rank 26 of 629

Non-interest income vs. expense

$33.1M$34.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 7% of banks under $1B in assets
Bank 101.08%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.08%0.60%1.01%1.45%Beats 5%600 / 629
Return on Equity-1.29%5.38%9.30%13.28%Beats 7%582 / 629
Net Interest Margin3.13%3.03%3.54%4.05%Beats 30%443 / 629
Efficiency Ratio101.08%58.35%67.79%79.08%Beats 7%585 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio91.41%11.24%13.84%18.77%Beats 94%39 / 629
Total Risk-Based Capital Ratio91.41%11.58%14.43%19.66%Beats 94%39 / 629
Equity / Assets83.98%9.09%10.65%13.80%Beats 96%26 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution