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Evermore Bank

Fort Lauderdale, FL · Cert 59306

State charter, non-member · FDIC · 2 branches

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=570 to 617). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

66

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

Evermore Bank

Fort Lauderdale, FL · Cert 59306

State charter, non-member · FDIC · 2 branches

Q2 2026

$316.9MAssets
$268.2MLoans
$269.1MDeposits
$42.0MEquity
Loan mix
89%RE $222.0M11%C&I $27.5M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $250.9M7%Noninterest $18.2MQ2 2025Q2 2026

NIM

5.97%Q2 ’246.38%Q2 ’256.48%Q2 ’26+3%+0%

Non-interest income vs. expense

3.54%Q2 ’242.73%Q2 ’252.20%Q2 ’26-23%-20%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #55 of 86 inst. · $0.3B of $348.8B

0.3% Broward
0.1% Palm Beach

Executive Summary

  • Earnings: ROA of 0.70%, down 14 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.52%, down 353 bps from a year ago.
  • Funding: loans stand at 99.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+1 bps YoY

Efficiency Ratio (YTD, annualized)

62.02%-1,519 bps YoY

Tier 1 Leverage Ratio

13.52%-353 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.71%0.67%0.47%0.70%-14 bps
Return on Equity4.71%4.24%4.14%3.54%5.20%+49 bps
Net Interest Margin3.39%3.26%3.11%3.28%3.40%+1 bps
Efficiency Ratio77.20%74.22%73.79%67.08%62.02%-1,519 bps
Non-Interest Burden2.58%2.39%2.27%2.16%2.05%-53 bps
Growth
Asset Growth (YoY)45.11%46.23%49.82%46.11%29.87%-1,524 bps
Loan Growth (YoY)96.40%84.78%58.18%42.22%31.34%-6,506 bps
Deposit Growth (YoY)44.47%57.77%61.21%55.22%33.09%-1,138 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.10%1.11%1.12%1.14%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.05%15.40%14.31%13.50%13.52%-353 bps
Total Risk-Based Capital20.53%19.99%19.58%17.65%16.83%-370 bps
Equity / Assets16.15%14.72%13.75%13.10%13.25%-290 bps
Liquidity & Funding
Loans / Deposits100.98%94.10%88.13%92.13%99.65%-133 bps
Liquid Assets / Assets11.61%16.62%20.15%15.60%9.82%-178 bps
CRE / Total Capitaln/a341%339%386%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

Evermore Bank

Fort Lauderdale, FL · Cert 59306 · Peer group: banks under $1B in assets (n=570-617)

State charter, non-member · FDIC · 2 branches

Q2 2026

$316.9MAssets
$268.2MLoans
$269.1MDeposits
$42.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
  • Widest gap: return on equity trails 77% of banks under $1B in assets (rank 473 of 617).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.68%

Rank 440 of 617

Net Interest Margin

3.40%

Rank 354 of 617

Efficiency Ratio

62.02%

Rank 211 of 617

Equity / Assets

13.25%

Rank 170 of 617

Non-interest income vs. expense

$0.4M$6.8MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 66% of banks under $1B in assets
Bank 62.02%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.60%1.01%1.45%Beats 29%440 / 617
Return on Equity5.11%5.30%9.43%13.30%Beats 23%473 / 617
Net Interest Margin3.40%3.04%3.54%4.05%Beats 43%354 / 617
Efficiency Ratio62.02%58.03%67.76%79.08%Beats 66%211 / 617
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%78 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio15.65%11.18%13.83%18.55%Beats 63%229 / 617
Total Risk-Based Capital Ratio16.83%11.56%14.39%19.39%Beats 66%209 / 617
Equity / Assets13.25%9.03%10.55%13.63%Beats 72%170 / 617
Liquidity & Funding
Loans / Deposits99.65%64.77%79.70%93.06%86th pctl80 / 582
Loans / Assets84.63%51.70%67.18%77.51%92nd pctl49 / 617
Brokered Deposits / Depositsn/aNot reported for this institution