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Central Bank

Tampa, FL · Cert 58377 · Central Financial Holdings Inc.

State charter, non-member · FDIC · 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=581 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

8

Q2 2024Q2 2026peer median

Efficiency

62

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

Central Bank

Tampa, FL · Cert 58377 · Central Financial Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$386.8MAssets
$330.0MLoans
$325.2MDeposits
$35.4MEquity
Loan mix
97%RE $315.6M3%C&I $9.1M0%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $281.1M14%Noninterest $44.1MQ3 2024Q2 2026

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.1% share · #38 of 60 inst. · $0.2B of $131.5B

0.4% Hillsborough
0.2% Orange
0.6% St. Johns
0.1% Gwinnett

Executive Summary

  • Earnings: ROA of 0.84%, up 23 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.04% of loans (-23 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 9.11%, up 50 bps from a year ago.
  • Funding: loans stand at 101.47% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+16 bps YoY

Efficiency Ratio (YTD, annualized)

63.74%-914 bps YoY

Tier 1 Leverage Ratio

9.11%+50 bps YoY

NIM

5.76%Q2 ’245.96%Q2 ’256.04%Q2 ’26+8%+5%

Non-interest income vs. expense

2.62%Q2 ’242.43%Q2 ’252.14%Q2 ’26-8%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.38%0.55%0.61%0.61%0.70%0.72%0.84%+23 bps
Return on Equity4.09%4.14%6.49%7.19%7.14%8.25%8.37%9.61%+242 bps
Net Interest Margin2.88%2.82%3.17%3.15%3.13%3.16%3.32%3.31%+16 bps
Efficiency Ratio83.19%82.94%74.15%72.89%73.43%71.35%68.28%63.74%-914 bps
Non-Interest Burden2.36%2.32%2.31%2.24%2.26%2.22%2.25%2.09%-15 bps
Growth
Asset Growth (YoY)7.49%15.19%12.56%16.30%10.24%7.37%10.58%7.68%-862 bps
Loan Growth (YoY)14.30%17.35%16.69%15.56%12.07%6.43%9.99%9.56%-600 bps
Deposit Growth (YoY)3.19%18.56%10.33%18.81%12.09%8.03%12.62%10.71%-809 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.43%0.42%0.27%0.26%0.37%0.32%0.04%-23 bps
Net Charge-Offs / Loans0.10%0.11%0.01%0.02%0.03%0.03%0.09%0.13%+11 bps
Allowance / Loans0.78%0.74%0.76%0.76%0.75%0.77%0.76%0.75%-1 bps
Allowance Coverage of NPLs1.6x1.7x1.8x2.8x2.9x2.1x2.4x20.4x+17.6x
Capital
Tier 1 Leverage Ratio9.13%8.79%8.58%8.61%8.58%8.67%8.66%9.11%+50 bps
Total Risk-Based Capital9.13%8.79%8.58%11.15%11.87%11.69%11.12%9.11%-204 bps
Equity / Assets8.98%8.49%8.48%8.46%8.59%8.71%8.38%9.14%+68 bps
Liquidity & Funding
Loans / Deposits104.66%105.93%104.35%102.54%104.64%104.36%101.91%101.47%-107 bps
Liquid Assets / Assets4.48%3.87%5.89%4.86%4.61%3.76%5.70%3.76%-111 bps
CRE / Total Capitaln/an/an/an/a589%582%600%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

Central Bank

Tampa, FL · Cert 58377 · Peer group: banks under $1B in assets (n=581-629) · Central Financial Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$386.8MAssets
$330.0MLoans
$325.2MDeposits
$35.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets (rank 102 of 581).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets (rank 614 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.83%

Rank 403 of 629

Net Interest Margin

3.31%

Rank 392 of 629

Efficiency Ratio

63.74%

Rank 243 of 629

Equity / Assets

9.14%

Rank 466 of 629

Non-interest income vs. expense

$0.2M$8.4MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 62% of banks under $1B in assets
Bank 63.74%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.83%0.60%1.01%1.45%Beats 36%403 / 629
Return on Equity9.07%5.38%9.30%13.28%Beats 48%330 / 629
Net Interest Margin3.31%3.03%3.54%4.05%Beats 38%392 / 629
Efficiency Ratio63.74%58.35%67.79%79.08%Beats 62%243 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 83%102 / 581
Net Charge-Offs / Loans0.07%n/a0.01%0.06%Beats 25%437 / 581
Capital
Tier 1 Capital Ratio9.11%11.24%13.84%18.77%Beats 2%614 / 629
Total Risk-Based Capital Ratio9.11%11.58%14.43%19.66%Beats 2%614 / 629
Equity / Assets9.14%9.09%10.65%13.80%Beats 26%466 / 629
Liquidity & Funding
Loans / Deposits101.47%67.24%80.90%93.48%88th pctl72 / 594
Loans / Assets85.32%53.31%67.71%78.15%93rd pctl47 / 629
Brokered Deposits / Depositsn/aNot reported for this institution