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Climate First Bank

Saint Petersburg, FL · Cert 59257 · Climate First Bcorp Inc.

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 $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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

76

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

Climate First Bank

Saint Petersburg, FL · Cert 59257 · Climate First Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.5BDeposits
$178.3MEquity
Loan mix
53%RE $806.6M26%C&I $389.6M22%Consumer $330.4MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $1.4B10%Noninterest $0.2BQ2 2025Q2 2026

NIM

6.30%Q2 ’246.54%Q2 ’256.82%Q2 ’26+11%+15%

Non-interest income vs. expense

2.37%Q2 ’242.12%Q2 ’252.07%Q2 ’26-20%-7%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.9% share · #14 of 60 inst. · $1.2B of $131.5B

1.7% Pinellas
0.6% Orange
0.9% Lake

Executive Summary

  • Earnings: ROA of 1.22%, up 59 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.12% of loans (+12 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 9.66%, up 7 bps from a year ago.
  • Funding: loans stand at 108.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+48 bps YoY

Efficiency Ratio (YTD, annualized)

51.15%-928 bps YoY

Tier 1 Leverage Ratio

9.66%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.86%0.94%1.27%1.22%+59 bps
Return on Equity7.00%9.60%10.57%14.02%13.42%+642 bps
Net Interest Margin3.18%3.07%2.96%3.72%3.65%+48 bps
Efficiency Ratio60.44%55.48%52.82%50.94%51.15%-928 bps
Non-Interest Burden1.79%1.53%1.40%1.74%1.67%-12 bps
Growth
Asset Growth (YoY)71.45%61.60%82.69%69.75%64.60%-685 bps
Loan Growth (YoY)67.79%68.36%82.77%75.33%64.15%-364 bps
Deposit Growth (YoY)62.10%53.19%72.82%74.72%53.81%-829 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.03%0.12%+12 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%0.12%+12 bps
Allowance / Loans1.05%1.04%1.05%1.03%1.04%-1 bps
Allowance Coverage of NPLsn/an/an/a36.2x8.5xn/a
Capital
Tier 1 Leverage Ratio9.58%9.36%9.65%9.53%9.66%+7 bps
Total Risk-Based Capital10.43%10.21%10.42%10.99%10.87%+44 bps
Equity / Assets9.04%8.71%8.81%9.29%9.18%+14 bps
Liquidity & Funding
Loans / Deposits101.53%98.72%103.53%100.62%108.36%+682 bps
Liquid Assets / Assets10.53%12.26%11.01%10.32%11.15%+62 bps
CRE / Total Capitaln/a363%371%359%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

Climate First Bank

Saint Petersburg, FL · Cert 59257 · Peer group: banks $1B-$10B in assets (n=322-328) · Climate First Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.5BDeposits
$178.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets (rank 49 of 322).
  • Widest gap: tier 1 capital ratio trails 97% of banks $1B-$10B in assets (rank 317 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.12%

Rank 197 of 328

Net Interest Margin

3.65%

Rank 112 of 328

Efficiency Ratio

51.15%

Rank 80 of 328

Equity / Assets

9.18%

Rank 244 of 328

Non-interest income vs. expense

$7.4M$37.8MINCOMEEXPENSE
Unfavorable gap of $30.4M · efficiency ratio beats 76% of banks $1B-$10B in assets
Bank 51.15%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.91%1.22%1.52%Beats 40%197 / 328
Return on Equity12.15%8.43%11.45%14.43%Beats 55%146 / 328
Net Interest Margin3.65%3.03%3.45%3.83%Beats 66%112 / 328
Efficiency Ratio51.15%51.61%59.56%67.53%Beats 76%80 / 328
Asset Quality
Nonperforming Loans / Loans0.12%0.24%0.51%1.03%Beats 85%49 / 322
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 36%207 / 322
Capital
Tier 1 Capital Ratio9.83%11.75%13.15%15.47%Beats 3%317 / 328
Total Risk-Based Capital Ratio10.87%12.63%14.15%16.46%Beats 8%303 / 328
Equity / Assets9.18%9.15%10.33%12.01%Beats 26%244 / 328
Liquidity & Funding
Loans / Deposits108.36%76.63%87.92%95.36%95th pctl16 / 323
Loans / Assets86.38%65.18%74.15%79.98%95th pctl18 / 328
Brokered Deposits / Depositsn/aNot reported for this institution