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Panther Community Bank, NA

Lehigh Acres, FL · Cert 58532

FDIC · 7 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Panther Community Bank, NA

Lehigh Acres, FL · Cert 58532

FDIC · 7 branches

Q3 2021

$2.4BAssets
$1.1BLoans
$2.0BDeposits
$190.3MEquity
Loan mix
75%RE $493.3M25%C&I $164.9M0%Consumer $2.9MQ3 2020Q3 2021
Deposit mix
75%Interest-bearing $1.5B25%Noninterest $0.5BQ3 2020Q3 2021

NIM

4.29%Q3 ’193.36%Q3 ’202.52%Q3 ’21-12%-18%

Non-interest income vs. expense

2.12%Q3 ’191.65%Q3 ’201.30%Q3 ’21-23%-25%

Market Position · Naples-Marco Island, FL · 2021 SOD (annual) · 8.2% share · #6 of 32 inst. · $1.9B of $23.1B

8.2% Collier
0.2% Hillsborough

Executive Summary

  • Earnings: ROA of 1.04%, up 25 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.85%, down 73 bps from a year ago.
  • Funding: loans stand at 54.09% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.04%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-52 bps YoY

Efficiency Ratio (YTD, annualized)

50.41%-309 bps YoY

Tier 1 Leverage Ratio

7.85%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.79%0.91%1.02%1.04%1.04%+25 bps
Return on Equity8.91%10.33%12.50%12.86%12.95%+404 bps
Net Interest Margin2.87%2.83%2.63%2.42%2.35%-52 bps
Efficiency Ratio53.50%51.73%53.08%51.46%50.41%-309 bps
Non-Interest Burden1.44%1.36%1.29%1.14%1.08%-36 bps
Growth
Asset Growth (YoY)24.66%26.77%37.98%23.67%25.71%+105 bps
Loan Growth (YoY)9.99%5.99%5.26%-11.01%-11.07%-2,106 bps
Deposit Growth (YoY)27.49%30.66%44.28%26.41%29.24%+174 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.04%0.00%0.00%0.00%-5 bps
Allowance / Loans1.45%1.51%1.53%1.60%1.63%+18 bps
Allowance Coverage of NPLsn/a361.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio8.58%8.71%8.13%7.75%7.85%-73 bps
Total Risk-Based Capital13.98%14.01%14.54%14.89%15.33%+134 bps
Equity / Assets8.71%8.58%7.82%7.92%7.96%-74 bps
Liquidity & Funding
Loans / Deposits78.61%71.40%60.90%56.65%54.09%-2,452 bps
Liquid Assets / Assets16.93%18.99%27.41%31.74%36.19%+1,926 bps
CRE / Total Capitaln/an/an/an/an/an/an/a