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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

4.42%Q2 ’244.94%Q2 ’255.25%Q2 ’26+14%+9%

Non-interest income vs. expense

2.33%Q2 ’242.52%Q2 ’252.54%Q2 ’26+3%+1%

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 1.21%, up 84 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 1.27% of loans (-4 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.21%+84 bps YoY

Net Interest Margin (quarter, annualized)

3.64%+31 bps YoY

Efficiency Ratio (quarter, annualized)

61.05%-447 bps YoY

Tier 1 Leverage Ratio

9.45%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%1.12%0.80%0.90%1.21%+84 bps
Return on Equity4.82%14.13%9.67%10.51%14.04%+922 bps
Net Interest Margin3.33%3.34%3.30%3.46%3.64%+31 bps
Efficiency Ratio65.52%62.35%68.65%62.85%61.05%-447 bps
Non-Interest Burden2.00%1.89%2.10%1.98%2.02%+2 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 / Loans1.28%0.03%0.13%0.00%-0.02%-130 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