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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=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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

67

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=581-629)

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 81 of 581).
  • Widest gap: return on equity trails 77% of banks under $1B in assets (rank 484 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.68%

Rank 450 of 629

Net Interest Margin

3.40%

Rank 361 of 629

Efficiency Ratio

62.02%

Rank 211 of 629

Equity / Assets

13.25%

Rank 180 of 629

Non-interest income vs. expense

$0.4M$6.8MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 67% 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 28%450 / 629
Return on Equity5.11%5.38%9.30%13.28%Beats 23%484 / 629
Net Interest Margin3.40%3.03%3.54%4.05%Beats 43%361 / 629
Efficiency Ratio62.02%58.35%67.79%79.08%Beats 67%211 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio15.65%11.24%13.84%18.77%Beats 63%231 / 629
Total Risk-Based Capital Ratio16.83%11.58%14.43%19.66%Beats 66%213 / 629
Equity / Assets13.25%9.09%10.65%13.80%Beats 71%180 / 629
Liquidity & Funding
Loans / Deposits99.65%67.24%80.90%93.48%86th pctl85 / 594
Loans / Assets84.63%53.31%67.71%78.15%91st pctl55 / 629
Brokered Deposits / Depositsn/aNot reported for this institution