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Finemark National Bank & Trust

Fort Myers, FL · Cert 58486

FDIC · 13 branches

Q4 2025

$3.9BAssets
$2.7BLoans
$3.1BDeposits
$379.4MEquity
Loan mix
85%RE $2.3B8%C&I $0.2B7%Consumer $0.2BQ1 2024Q4 2025
Deposit mix
86%Interest-bearing $2.7B14%Noninterest $0.4BQ1 2024Q4 2025

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

Executive Summary

  • Earnings: ROA of 0.38%, up 18 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.04% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.42%, up 46 bps from a year ago.
  • Funding: loans stand at 87.16% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.38%+18 bps YoY

Net Interest Margin (YTD, annualized)

1.89%+62 bps YoY

Efficiency Ratio (YTD, annualized)

85.21%-271 bps YoY

Tier 1 Leverage Ratio

10.42%+46 bps YoY

NIM

3.45%Q4 ’234.42%Q4 ’244.42%Q4 ’25+1%+49%

Non-interest income vs. expense

1.87%Q4 ’232.00%Q4 ’242.55%Q4 ’25-3%+45%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.12%0.12%0.14%0.20%0.45%0.48%0.50%0.38%+18 bps
Return on Equity1.53%1.48%1.64%2.33%4.82%5.00%5.12%3.89%+156 bps
Net Interest Margin1.04%1.09%1.14%1.27%1.72%1.77%1.82%1.89%+62 bps
Efficiency Ratio90.57%91.39%91.01%87.91%78.53%78.32%77.57%85.21%-271 bps
Non-Interest Burden0.85%0.92%0.96%0.99%1.13%1.15%1.17%1.44%+45 bps
Growth
Asset Growth (YoY)10.72%8.74%7.64%0.35%-5.35%-5.94%-7.98%-4.47%-482 bps
Loan Growth (YoY)9.60%6.86%7.50%7.11%2.78%0.62%0.96%0.93%-618 bps
Deposit Growth (YoY)6.36%13.02%10.28%13.22%1.91%2.01%0.05%-5.16%-1,838 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.04%0.01%0.07%0.03%0.03%0.03%0.04%-4 bps
Net Charge-Offs / Loans0.10%0.05%0.03%0.03%0.03%0.02%0.01%0.01%-2 bps
Allowance / Loans0.91%0.89%0.89%0.88%0.88%0.87%0.86%0.84%-4 bps
Allowance Coverage of NPLs8.7x20.2x79.9x12.0x31.8x33.5x27.9x23.2x+11.2x
Capital
Tier 1 Leverage Ratio9.49%9.54%9.52%9.96%10.24%10.44%10.76%10.42%+46 bps
Total Risk-Based Capital18.44%18.28%18.22%18.44%19.15%19.64%19.94%19.29%+84 bps
Equity / Assets8.31%8.59%8.76%9.12%9.72%10.14%10.37%9.65%+53 bps
Liquidity & Funding
Loans / Deposits83.49%87.54%86.30%81.90%84.20%86.35%87.09%87.16%+526 bps
Liquid Assets / Assets11.40%9.06%11.93%10.00%10.42%9.48%11.76%14.16%+416 bps
CRE / Total Capitaln/an/an/an/an/an/a132.35%141.40%n/a