Finemark National Bank & Trust

Fort Myers, FL · Cert 58486

FDIC · 13 branches

Q4 2025

$3.9BAssets

$2.7BLoans

$3.1BDeposits

$379.4MEquity

Loan mix

Deposit mix

NIM

Market Position · Cape Coral-Fort Myers, FL · 2025 SOD (annual) · 8.7% share · #6 of 33 inst. · $1.9B of $22.3B

8.7% Lee

3.6% Collier

0.2% Maricopa

0.2% Palm Beach

Earnings: ROA of 0.01%, down 37 bps year over year; NIM at 2.04%.
Asset quality: problem loans at 0.04% of loans (-4 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

0.01%-37 bps YoY

Net Interest Margin (quarter, annualized)

2.04%+52 bps YoY

Efficiency Ratio (quarter, annualized)

106.27%+2,610 bps YoY

Tier 1 Leverage Ratio

10.42%+46 bps YoY

Discrete quarter, annualized.

Metric	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	YoY Δ
Earnings
Return on Assets	0.38%	0.45%	0.51%	0.55%	0.01%	-37 bps
Return on Equity	4.25%	4.82%	5.17%	5.38%	0.11%	-414 bps
Net Interest Margin	1.52%	1.72%	1.81%	1.88%	2.04%	+52 bps
Efficiency Ratio	80.17%	78.53%	78.10%	76.14%	106.27%	+2,610 bps
Non-Interest Burden	1.01%	1.13%	1.18%	1.17%	2.24%	+123 bps
Growth
Asset Growth (YoY)	0.35%	-5.35%	-5.94%	-7.98%	-4.47%	-482 bps
Loan Growth (YoY)	7.11%	2.78%	0.62%	0.96%	0.93%	-618 bps
Deposit Growth (YoY)	13.22%	1.91%	2.01%	0.05%	-5.16%	-1,838 bps
Asset Quality
Nonperforming Loans / Loans	0.07%	0.03%	0.03%	0.03%	0.04%	-4 bps
Net Charge-Offs / Loans	0.02%	0.03%	0.00%	0.00%	0.00%	-2 bps
Allowance / Loans	0.88%	0.88%	0.87%	0.86%	0.84%	-4 bps
Allowance Coverage of NPLs	12.0x	31.8x	33.5x	27.9x	23.2x	+11.2x
Capital
Tier 1 Leverage Ratio	9.96%	10.24%	10.44%	10.76%	10.42%	+46 bps
Total Risk-Based Capital	18.44%	19.15%	19.64%	19.94%	19.29%	+84 bps
Equity / Assets	9.12%	9.72%	10.14%	10.37%	9.65%	+53 bps
Liquidity & Funding
Loans / Deposits	81.90%	84.20%	86.35%	87.09%	87.16%	+526 bps
Liquid Assets / Assets	10.00%	10.42%	9.48%	11.76%	14.16%	+416 bps
CRE / Total Capital	n/a	n/a	n/a	132.35%	141.40%	n/a