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Scottsdale Community Bank

Scottsdale, AZ · Cert 59203

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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

12

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

Scottsdale Community Bank

Scottsdale, AZ · Cert 59203

State charter, non-member · FDIC · 1 branch

Q2 2026

$125.2MAssets
$101.9MLoans
$99.7MDeposits
$13.2MEquity
Loan mix
88%RE $83.5M12%C&I $11.1M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $85.5M14%Noninterest $14.3MQ2 2025Q2 2026

NIM

5.99%Q2 ’245.79%Q2 ’255.86%Q2 ’26-7%+1%

Non-interest income vs. expense

4.99%Q2 ’243.58%Q2 ’252.90%Q2 ’26-29%-20%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #43 of 55 inst. · $0.1B of $192.0B

Executive Summary

  • Earnings: ROA of 0.28%, up 89 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 2.68% of loans (+268 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.37%, down 446 bps from a year ago.
  • Funding: loans stand at 102.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+89 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+4 bps YoY

Efficiency Ratio (YTD, annualized)

91.17%-2,349 bps YoY

Tier 1 Leverage Ratio

11.37%-446 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.61%-0.56%-0.39%0.21%0.28%+89 bps
Return on Equity-3.87%-3.74%-2.74%1.77%2.53%+640 bps
Net Interest Margin3.07%2.89%2.83%3.29%3.11%+4 bps
Efficiency Ratio114.66%113.86%109.63%93.26%91.17%-2,349 bps
Non-Interest Burden3.53%3.30%3.10%3.06%2.83%-70 bps
Growth
Asset Growth (YoY)46.56%38.85%42.00%42.18%37.38%-919 bps
Loan Growth (YoY)52.13%57.73%56.79%58.00%50.89%-123 bps
Deposit Growth (YoY)72.32%44.19%56.14%43.62%45.67%-2,666 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%2.68%+268 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%0.97%0.85%0.76%0.70%-35 bps
Allowance Coverage of NPLsn/an/an/an/a0.3xn/an/a
Capital
Tier 1 Leverage Ratio15.83%14.11%13.22%12.15%11.37%-446 bps
Total Risk-Based Capital15.83%14.11%13.22%12.15%11.37%-446 bps
Equity / Assets14.20%13.41%12.21%11.16%10.51%-369 bps
Liquidity & Funding
Loans / Deposits98.66%97.91%99.16%100.55%102.20%+354 bps
Liquid Assets / Assets5.41%6.67%4.25%5.16%5.61%+21 bps
CRE / Total Capitaln/a116.78%165.38%183.31%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

Scottsdale Community Bank

Scottsdale, AZ · Cert 59203 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$125.2MAssets
$101.9MLoans
$99.7MDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets (rank 535 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.27%

Rank 554 of 629

Net Interest Margin

3.11%

Rank 448 of 629

Efficiency Ratio

91.17%

Rank 556 of 629

Equity / Assets

10.51%

Rank 332 of 629

Non-interest income vs. expense

$0.1M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 12% of banks under $1B in assets
Bank 91.17%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.27%0.60%1.01%1.45%Beats 12%554 / 629
Return on Equity2.52%5.38%9.30%13.28%Beats 14%542 / 629
Net Interest Margin3.11%3.03%3.54%4.05%Beats 29%448 / 629
Efficiency Ratio91.17%58.35%67.79%79.08%Beats 12%556 / 629
Asset Quality
Nonperforming Loans / Loans2.68%0.09%0.46%1.20%Beats 8%535 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.37%11.24%13.84%18.77%Beats 27%461 / 629
Total Risk-Based Capital Ratio11.37%11.58%14.43%19.66%Beats 23%487 / 629
Equity / Assets10.51%9.09%10.65%13.80%Beats 47%332 / 629
Liquidity & Funding
Loans / Deposits102.20%67.24%80.90%93.48%89th pctl67 / 594
Loans / Assets81.38%53.31%67.71%78.15%84th pctl98 / 629
Brokered Deposits / Depositsn/aNot reported for this institution