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One Florida Bank

Orlando, FL · Cert 58811 · Ofb Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

40

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

One Florida Bank

Orlando, FL · Cert 58811 · Ofb Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.1BAssets
$1.7BLoans
$1.8BDeposits
$199.3MEquity
Loan mix
69%RE $1.2B31%C&I $0.5B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.4B21%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.42%Q2 ’245.62%Q2 ’255.48%Q2 ’26+16%+4%

Non-interest income vs. expense

1.80%Q2 ’241.84%Q2 ’252.24%Q2 ’26+3%+22%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 2.6% share · #8 of 49 inst. · $1.8B of $68.8B

2.6% Orange
5.6% Seminole
16.1% Washington

Executive Summary

  • Earnings: ROA of 0.98%, down 18 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.17% of loans (+11 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.93%, up 26 bps from a year ago.
  • Funding: loans stand at 92.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+14 bps YoY

Efficiency Ratio (YTD, annualized)

62.46%+864 bps YoY

Tier 1 Leverage Ratio

9.93%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.20%1.22%1.22%0.98%-18 bps
Return on Equity12.96%13.40%13.49%13.21%10.48%-249 bps
Net Interest Margin3.32%3.26%3.22%3.39%3.46%+14 bps
Efficiency Ratio53.82%52.75%52.09%50.73%62.46%+864 bps
Non-Interest Burden1.74%1.67%1.62%1.67%2.11%+38 bps
Growth
Asset Growth (YoY)7.68%10.07%11.74%11.58%7.13%-54 bps
Loan Growth (YoY)18.98%13.79%8.13%9.43%7.05%-1,193 bps
Deposit Growth (YoY)6.56%7.84%9.95%9.76%5.24%-132 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.07%0.28%0.19%0.17%+11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.11%0.08%+8 bps
Allowance / Loans0.84%0.84%0.83%0.80%0.79%-5 bps
Allowance Coverage of NPLs15.6x12.4x3.0x4.2x4.7x-10.9x
Capital
Tier 1 Leverage Ratio9.68%9.62%9.67%9.70%9.93%+26 bps
Total Risk-Based Capital11.16%11.56%11.47%11.42%11.71%+54 bps
Equity / Assets9.06%9.12%9.23%9.22%9.64%+58 bps
Liquidity & Funding
Loans / Deposits90.63%88.57%89.53%89.89%92.19%+155 bps
Liquid Assets / Assets12.68%16.20%15.36%15.24%13.54%+86 bps
CRE / Total Capitaln/a460%458%465%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

One Florida Bank

Orlando, FL · Cert 58811 · Peer group: banks $1B-$10B in assets (n=322-328) · Ofb Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.1BAssets
$1.7BLoans
$1.8BDeposits
$199.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets (rank 64 of 322).
  • Widest gap: tier 1 capital ratio trails 85% of banks $1B-$10B in assets (rank 280 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.99%

Rank 234 of 328

Net Interest Margin

3.46%

Rank 163 of 328

Efficiency Ratio

62.46%

Rank 197 of 328

Equity / Assets

9.64%

Rank 205 of 328

Non-interest income vs. expense

$2.5M$46.6MINCOMEEXPENSE
Unfavorable gap of $44.1M · efficiency ratio beats 40% of banks $1B-$10B in assets
Bank 62.46%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.91%1.22%1.52%Beats 29%234 / 328
Return on Equity10.23%8.43%11.45%14.43%Beats 38%205 / 328
Net Interest Margin3.46%3.03%3.45%3.83%Beats 50%163 / 328
Efficiency Ratio62.46%51.61%59.56%67.53%Beats 40%197 / 328
Asset Quality
Nonperforming Loans / Loans0.17%0.24%0.51%1.03%Beats 80%64 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 46%176 / 322
Capital
Tier 1 Capital Ratio10.99%11.75%13.15%15.47%Beats 15%280 / 328
Total Risk-Based Capital Ratio11.71%12.63%14.15%16.46%Beats 16%276 / 328
Equity / Assets9.64%9.15%10.33%12.01%Beats 38%205 / 328
Liquidity & Funding
Loans / Deposits92.19%76.63%87.92%95.36%66th pctl109 / 323
Loans / Assets81.17%65.18%74.15%79.98%79th pctl69 / 328
Brokered Deposits / Depositsn/aNot reported for this institution