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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=581 to 629). 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

87

Q2 2024Q2 2026peer median

Efficiency

92

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=581-629)

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 158 of 581).
  • Widest gap: equity / assets trails 69% of banks under $1B in assets (rank 434 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.64%

Rank 122 of 629

Net Interest Margin

3.79%

Rank 235 of 629

Efficiency Ratio

47.17%

Rank 50 of 629

Equity / Assets

9.46%

Rank 434 of 629

Non-interest income vs. expense

$0.3M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 92% 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%122 / 629
Return on Equity17.38%5.38%9.30%13.28%Beats 90%66 / 629
Net Interest Margin3.79%3.03%3.54%4.05%Beats 63%235 / 629
Efficiency Ratio47.17%58.35%67.79%79.08%Beats 92%50 / 629
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.46%1.20%Beats 67%192 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.32%11.24%13.84%18.77%Beats 46%339 / 629
Total Risk-Based Capital Ratio14.58%11.58%14.43%19.66%Beats 51%310 / 629
Equity / Assets9.46%9.09%10.65%13.80%Beats 31%434 / 629
Liquidity & Funding
Loans / Deposits76.70%67.24%80.90%93.48%43rd pctl337 / 594
Loans / Assets69.11%53.31%67.71%78.15%53rd pctl294 / 629
Brokered Deposits / Depositsn/aNot reported for this institution