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Blueharbor Bank

Mooresville, NC · Cert 58691

State charter, non-member · FDIC · 3 branches

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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

98

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

Blueharbor Bank

Mooresville, NC · Cert 58691

State charter, non-member · FDIC · 3 branches

Q2 2026

$628.4MAssets
$537.1MLoans
$551.2MDeposits
$69.6MEquity
Loan mix
90%RE $478.1M9%C&I $49.4M0%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $388.9M29%Noninterest $162.2MQ2 2025Q2 2026

NIM

5.12%Q2 ’245.46%Q2 ’255.66%Q2 ’26+13%+6%

Non-interest income vs. expense

2.00%Q2 ’241.66%Q2 ’251.47%Q2 ’26-20%-13%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.1% share · #18 of 47 inst. · $0.5B of $432.7B

11.2% Iredell
1.6% Surry

Executive Summary

  • Earnings: ROA of 2.21%, up 34 bps year over year; NIM at 4.08%.
  • 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 11.78%, down 18 bps from a year ago.
  • Funding: loans stand at 97.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.21%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+21 bps YoY

Efficiency Ratio (YTD, annualized)

33.60%-632 bps YoY

Tier 1 Leverage Ratio

11.78%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.93%1.99%2.17%2.21%+34 bps
Return on Equity17.10%17.63%18.31%20.32%20.48%+337 bps
Net Interest Margin3.87%3.89%3.74%4.11%4.08%+21 bps
Efficiency Ratio39.92%38.29%37.12%35.16%33.60%-632 bps
Non-Interest Burden1.37%1.31%1.21%1.26%1.19%-18 bps
Growth
Asset Growth (YoY)17.51%17.64%19.63%19.34%15.42%-209 bps
Loan Growth (YoY)18.09%22.63%20.55%21.98%16.22%-187 bps
Deposit Growth (YoY)15.74%17.29%21.07%20.15%17.75%+201 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.94%0.95%0.95%0.94%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.96%11.98%11.57%11.44%11.78%-18 bps
Total Risk-Based Capital14.09%13.86%13.78%13.72%14.16%+7 bps
Equity / Assets10.87%10.94%10.76%10.57%11.08%+21 bps
Liquidity & Funding
Loans / Deposits98.72%99.65%97.78%96.53%97.44%-129 bps
Liquid Assets / Assets5.71%4.23%5.60%6.71%6.98%+126 bps
CRE / Total Capitaln/a407%420%421%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

Blueharbor Bank

Mooresville, NC · Cert 58691 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 3 branches

Q2 2026

$628.4MAssets
$537.1MLoans
$551.2MDeposits
$69.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: tier 1 capital ratio trails 55% of banks under $1B in assets (rank 345 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.18%

Rank 63 of 629

Net Interest Margin

4.08%

Rank 150 of 629

Efficiency Ratio

33.60%

Rank 11 of 629

Equity / Assets

11.08%

Rank 283 of 629

Non-interest income vs. expense

$1.7M$9.0MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 98% of banks under $1B in assets
Bank 33.60%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.18%0.60%1.01%1.45%Beats 90%63 / 629
Return on Equity19.69%5.38%9.30%13.28%Beats 93%43 / 629
Net Interest Margin4.08%3.03%3.54%4.05%Beats 76%150 / 629
Efficiency Ratio33.60%58.35%67.79%79.08%Beats 98%11 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.14%11.24%13.84%18.77%Beats 45%345 / 629
Total Risk-Based Capital Ratio14.16%11.58%14.43%19.66%Beats 47%331 / 629
Equity / Assets11.08%9.09%10.65%13.80%Beats 55%283 / 629
Liquidity & Funding
Loans / Deposits97.44%67.24%80.90%93.48%82nd pctl108 / 594
Loans / Assets85.46%53.31%67.71%78.15%93rd pctl44 / 629
Brokered Deposits / Depositsn/aNot reported for this institution