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First Colony Bank of Florida

Maitland, FL · Cert 58644

State charter, non-member · FDIC · 1 branch

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=570 to 617). 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

93

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

First Colony Bank of Florida

Maitland, FL · Cert 58644

State charter, non-member · FDIC · 1 branch

Q2 2026

$291.1MAssets
$201.2MLoans
$262.4MDeposits
$27.6MEquity
Loan mix
84%RE $169.7M15%C&I $31.1M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $183.7M30%Noninterest $78.7MQ2 2025Q2 2026

NIM

4.90%Q2 ’245.31%Q2 ’255.31%Q2 ’26+21%+3%

Non-interest income vs. expense

1.65%Q2 ’241.81%Q2 ’251.84%Q2 ’26+10%+2%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.4% share · #24 of 49 inst. · $0.3B of $68.8B

Executive Summary

  • Earnings: ROA of 1.62%, up 14 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.17% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.94%, up 51 bps from a year ago.
  • Funding: loans stand at 76.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+12 bps YoY

Efficiency Ratio (YTD, annualized)

47.17%-68 bps YoY

Tier 1 Leverage Ratio

9.94%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.51%1.54%1.53%1.62%+14 bps
Return on Equity18.03%18.08%18.08%17.26%17.90%-13 bps
Net Interest Margin3.67%3.77%3.83%3.73%3.79%+12 bps
Efficiency Ratio47.85%47.54%47.05%48.10%47.17%-68 bps
Non-Interest Burden1.69%1.73%1.74%1.73%1.73%+4 bps
Growth
Asset Growth (YoY)-2.88%-6.77%-6.87%4.15%-3.32%-44 bps
Loan Growth (YoY)7.43%-1.11%-2.61%-0.43%-2.02%-945 bps
Deposit Growth (YoY)-3.27%-7.72%-8.02%4.16%-4.57%-129 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.18%0.17%0.17%+17 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.53%1.63%1.69%1.61%1.61%+8 bps
Allowance Coverage of NPLsn/an/a9.3x9.3x9.3xn/a
Capital
Tier 1 Leverage Ratio9.42%9.74%9.93%9.86%9.94%+51 bps
Total Risk-Based Capital13.44%14.19%14.76%14.14%14.58%+113 bps
Equity / Assets8.17%8.79%9.22%8.56%9.46%+129 bps
Liquidity & Funding
Loans / Deposits74.70%73.24%73.72%71.92%76.70%+199 bps
Liquid Assets / Assets23.11%24.45%24.55%26.35%20.94%-218 bps
CRE / Total Capitaln/a531%519%549%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

First Colony Bank of Florida

Maitland, FL · Cert 58644 · Peer group: banks under $1B in assets (n=570-617)

State charter, non-member · FDIC · 1 branch

Q2 2026

$291.1MAssets
$201.2MLoans
$262.4MDeposits
$27.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
  • Widest gap: equity / assets trails 68% of banks under $1B in assets (rank 417 of 617).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.64%

Rank 117 of 617

Net Interest Margin

3.79%

Rank 229 of 617

Efficiency Ratio

47.17%

Rank 42 of 617

Equity / Assets

9.46%

Rank 417 of 617

Non-interest income vs. expense

$0.3M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 93% of banks under $1B in assets
Bank 47.17%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.60%1.01%1.45%Beats 81%117 / 617
Return on Equity17.38%5.30%9.43%13.30%Beats 89%66 / 617
Net Interest Margin3.79%3.04%3.54%4.05%Beats 63%229 / 617
Efficiency Ratio47.17%58.03%67.76%79.08%Beats 93%42 / 617
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.47%1.27%Beats 68%185 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio13.32%11.18%13.83%18.55%Beats 46%332 / 617
Total Risk-Based Capital Ratio14.58%11.56%14.39%19.39%Beats 51%303 / 617
Equity / Assets9.46%9.03%10.55%13.63%Beats 32%417 / 617
Liquidity & Funding
Loans / Deposits76.70%64.77%79.70%93.06%45th pctl320 / 582
Loans / Assets69.11%51.70%67.18%77.51%54th pctl282 / 617
Brokered Deposits / Depositsn/aNot reported for this institution