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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

$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