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Bankflorida

Dade City, FL · Cert 58537 · Bankflorida Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$459.5MAssets
$346.1MLoans
$388.9MDeposits
$54.9MEquity
Loan mix
89%RE $303.3M11%C&I $37.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $298.5M23%Noninterest $90.3MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.35%Q2 ’255.77%Q2 ’26+12%+22%

Non-interest income vs. expense

2.26%Q2 ’242.38%Q2 ’252.21%Q2 ’26+4%-9%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.1% share · #35 of 60 inst. · $0.2B of $131.5B

1.9% Pasco
2.1% Osceola
0.1% Palm Beach
0.0% Hillsborough

Executive Summary

  • Earnings: ROA of 1.25%, up 63 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 12.58%, up 209 bps from a year ago.
  • Funding: loans stand at 89.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+63 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+71 bps YoY

Efficiency Ratio (YTD, annualized)

54.76%-1,733 bps YoY

Tier 1 Leverage Ratio

12.58%+209 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.70%0.78%1.26%1.25%+63 bps
Return on Equity5.84%6.56%7.40%10.96%10.71%+486 bps
Net Interest Margin3.19%3.30%3.30%3.85%3.89%+71 bps
Efficiency Ratio72.09%69.56%67.40%55.97%54.76%-1,733 bps
Non-Interest Burden2.26%2.25%2.18%2.08%2.06%-20 bps
Growth
Asset Growth (YoY)20.33%12.77%16.33%9.33%12.75%-758 bps
Loan Growth (YoY)13.32%12.96%15.63%17.91%15.42%+210 bps
Deposit Growth (YoY)23.24%14.24%21.82%6.45%11.22%-1,203 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.03%-0.15%-0.07%-4 bps
Allowance / Loans1.44%1.42%1.35%1.39%1.40%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.50%10.69%10.57%12.83%12.58%+209 bps
Total Risk-Based Capital12.57%12.81%12.74%15.79%15.54%+297 bps
Equity / Assets10.36%10.78%10.32%12.70%11.94%+158 bps
Liquidity & Funding
Loans / Deposits85.76%90.90%90.63%93.14%89.00%+324 bps
Liquid Assets / Assets11.91%14.78%14.83%15.12%18.02%+611 bps
CRE / Total Capitaln/a518%560%460%n/an/a