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Canandaigua National Trust Company of Florida

Sarasota, FL · Cert 58999

FDIC

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=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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q1 2025Q2 2025peer median

Efficiency

63

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

Canandaigua National Trust Company of Florida

Sarasota, FL · Cert 58999

FDIC

Q2 2026

$6.5MAssets
$0KLoans
$0KDeposits
$5.0MEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q2 2025Q2 2026

NIM

0.96%Q2 ’240.90%Q2 ’250.78%Q2 ’26-6%-13%

Non-interest income vs. expense

43.22%Q2 ’2437.26%Q2 ’2535.02%Q2 ’26+22%-33%

Executive Summary

  • Earnings: ROA of 13.27%, up 329 bps year over year; NIM at 0.78%.
  • Capital: tier 1 leverage ratio of 81.89%, up 814 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

13.27%+329 bps YoY

Net Interest Margin (YTD, annualized)

0.78%-12 bps YoY

Efficiency Ratio (YTD, annualized)

63.17%-728 bps YoY

Tier 1 Leverage Ratio

81.89%+814 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets9.98%10.18%10.82%13.64%13.27%+329 bps
Return on Equity13.21%13.59%14.49%18.04%17.40%+419 bps
Net Interest Margin0.90%0.90%0.87%0.80%0.78%-12 bps
Efficiency Ratio70.45%70.25%68.82%63.46%63.17%-728 bps
Non-Interest Burden-14.73%-15.35%-16.03%-19.55%-19.64%-491 bps
Growth
Asset Growth (YoY)17.95%18.22%-4.91%-4.25%12.42%-553 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/a-100.00%-100.00%n/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio73.74%78.72%79.89%80.82%81.89%+814 bps
Total Risk-Based Capital191.15%195.27%207%219%224%+3,257 bps
Equity / Assets73.58%72.96%73.87%77.34%77.45%+387 bps
Liquidity & Funding
Loans / Deposits0.00%n/an/an/an/an/a
Liquid Assets / Assets61.06%63.72%66.28%66.70%68.08%+702 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Canandaigua National Trust Company of Florida

Sarasota, FL · Cert 58999 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$6.5MAssets
$0KLoans
$0KDeposits
$5.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks under $1B in assets (rank 20 of 629).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets (rank 621 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

12.92%

Rank 20 of 629

Net Interest Margin

0.78%

Rank 621 of 629

Efficiency Ratio

63.17%

Rank 232 of 629

Equity / Assets

77.45%

Rank 33 of 629

Non-interest income vs. expense

$3.4M$2.2MINCOMEEXPENSE
Favorable gap of $1.2M · efficiency ratio beats 63% of banks under $1B in assets
Bank 63.17%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets12.92%0.60%1.01%1.45%Beats 97%20 / 629
Return on Equity16.68%5.38%9.30%13.28%Beats 88%73 / 629
Net Interest Margin0.78%3.03%3.54%4.05%Beats 1%621 / 629
Efficiency Ratio63.17%58.35%67.79%79.08%Beats 63%232 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio224%11.24%13.84%18.77%Beats 97%17 / 629
Total Risk-Based Capital Ratio224%11.58%14.43%19.66%Beats 97%17 / 629
Equity / Assets77.45%9.09%10.65%13.80%Beats 95%33 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution