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Mainstreet Community Bank of Florida

Deland, FL · Cert 57598 · Northstar Financial Group Inc.

State charter, non-member · FDIC · 9 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=573 to 620). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

68

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 2026-10-10

Mainstreet Community Bank of Florida

Deland, FL · Cert 57598 · Northstar Financial Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 9 branches (27 in holding)

Q2 2026

$953.4MAssets
$732.7MLoans
$863.2MDeposits
$83.8MEquity
Loan mix
85%RE $592.4M14%C&I $99.1M0%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $627.1M27%Noninterest $236.1MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.82%Q2 ’255.10%Q2 ’26+12%+9%

Non-interest income vs. expense

2.33%Q2 ’242.58%Q2 ’252.50%Q2 ’260%+0%

Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2026 SOD (annual) · 3.7% share · #7 of 20 inst. · $0.6B of $15.0B

4.5% Volusia
2.3% Lake
0.9% Marion
0.4% Seminole

Executive Summary

  • Earnings: ROA of 1.06%, up 45 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.27% of loans (-4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.45%, up 52 bps from a year ago.
  • Funding: loans stand at 84.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+28 bps YoY

Efficiency Ratio (YTD, annualized)

61.92%-518 bps YoY

Tier 1 Leverage Ratio

9.45%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.79%0.80%0.90%1.06%+45 bps
Return on Equity7.91%10.05%9.93%10.51%12.28%+437 bps
Net Interest Margin3.23%3.19%3.17%3.46%3.51%+28 bps
Efficiency Ratio67.10%65.47%66.29%62.85%61.92%-518 bps
Non-Interest Burden1.97%1.90%1.92%1.98%1.98%+1 bps
Growth
Asset Growth (YoY)9.66%10.65%9.48%9.66%7.69%-197 bps
Loan Growth (YoY)10.31%4.49%12.53%12.89%19.20%+889 bps
Deposit Growth (YoY)9.83%13.11%9.79%8.87%6.67%-316 bps
Asset Quality
Nonperforming Loans / Loans1.31%2.07%1.42%1.36%1.27%-4 bps
Net Charge-Offs / Loans0.64%0.44%0.33%0.00%-0.01%-65 bps
Allowance / Loans1.23%1.22%1.21%1.27%1.22%-1 bps
Allowance Coverage of NPLs0.9x0.6x0.9x0.9x1.0x0.0x
Capital
Tier 1 Leverage Ratio8.92%8.88%9.10%9.35%9.45%+52 bps
Total Risk-Based Capital8.92%8.88%9.10%9.35%9.45%+52 bps
Equity / Assets7.86%7.99%8.67%8.51%8.79%+93 bps
Liquidity & Funding
Loans / Deposits75.95%72.65%81.53%80.81%84.87%+892 bps
Liquid Assets / Assets1.49%1.90%1.09%1.28%1.41%-8 bps
CRE / Total Capitaln/a445%483%499%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 2026-10-10

Mainstreet Community Bank of Florida

Deland, FL · Cert 57598 · Peer group: banks under $1B in assets (n=573-620) · Northstar Financial Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 9 branches (27 in holding)

Q2 2026

$953.4MAssets
$732.7MLoans
$863.2MDeposits
$83.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets (rank 199 of 620).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 590 of 620).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 290 of 620

Net Interest Margin

3.51%

Rank 314 of 620

Efficiency Ratio

61.92%

Rank 199 of 620

Equity / Assets

8.79%

Rank 491 of 620

Non-interest income vs. expense

$5.0M$23.9MINCOMEEXPENSE
Unfavorable gap of $18.9M · efficiency ratio beats 68% of banks under $1B in assets
Bank 61.92%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.60%1.00%1.45%Beats 53%290 / 620
Return on Equity11.89%5.30%9.30%13.29%Beats 67%206 / 620
Net Interest Margin3.51%3.02%3.53%4.04%Beats 49%314 / 620
Efficiency Ratio61.92%58.35%68.08%79.37%Beats 68%199 / 620
Asset Quality
Nonperforming Loans / Loans1.27%0.09%0.47%1.27%Beats 25%429 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 60%234 / 573
Capital
Tier 1 Capital Ratio9.45%11.27%13.87%18.78%Beats 5%589 / 620
Total Risk-Based Capital Ratio9.45%11.69%14.57%19.67%Beats 5%590 / 620
Equity / Assets8.79%9.03%10.60%13.73%Beats 21%491 / 620
Liquidity & Funding
Loans / Deposits84.87%65.08%79.69%92.47%59th pctl241 / 585
Loans / Assets76.85%51.85%67.17%77.86%73rd pctl167 / 620
Brokered Deposits / Depositsn/aNot reported for this institution