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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