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Crews Bank & Trust

Wauchula, FL · Cert 8021 · Crews Banking Corp.

State charter, non-member · FDIC · 20 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

64

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

Crews Bank & Trust

Wauchula, FL · Cert 8021 · Crews Banking Corp.

State charter, non-member · FDIC · 20 branches

Q2 2026

$2.3BAssets
$1.3BLoans
$2.1BDeposits
$248.7MEquity
Loan mix
98%RE $1.3B1%C&I $0.0B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $1.3B35%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.76%Q2 ’244.78%Q2 ’254.86%Q2 ’26-4%+6%

Non-interest income vs. expense

2.54%Q2 ’242.46%Q2 ’252.45%Q2 ’26-3%-2%

Market Position · Punta Gorda, FL · 2026 SOD (annual) · 14.8% share · #3 of 12 inst. · $0.8B of $5.6B

14.8% Charlotte
86.8% Hardee
12.8% Highlands
54.0% DeSoto

Executive Summary

  • Earnings: ROA of 1.49%, up 18 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.06% of loans (-3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.69%, up 20 bps from a year ago.
  • Funding: loans stand at 64.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+20 bps YoY

Efficiency Ratio (YTD, annualized)

55.18%-316 bps YoY

Tier 1 Leverage Ratio

10.69%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.33%1.37%1.38%1.49%+18 bps
Return on Equity12.62%12.72%13.12%13.38%14.27%+165 bps
Net Interest Margin3.43%3.51%3.51%3.59%3.63%+20 bps
Efficiency Ratio58.34%58.00%56.89%56.78%55.18%-316 bps
Non-Interest Burden1.67%1.70%1.65%1.70%1.64%-3 bps
Growth
Asset Growth (YoY)5.02%5.35%6.23%3.98%2.86%-215 bps
Loan Growth (YoY)5.64%5.15%4.65%6.90%6.40%+76 bps
Deposit Growth (YoY)5.24%5.50%6.22%4.03%2.75%-249 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.04%0.07%0.04%0.06%-3 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.02%0.02%+1 bps
Allowance / Loans1.89%1.95%1.97%1.97%1.95%+6 bps
Allowance Coverage of NPLs21.3x52.7x28.0x46.5x33.3x+12.0x
Capital
Tier 1 Leverage Ratio10.49%10.80%10.55%10.55%10.69%+20 bps
Total Risk-Based Capital10.49%10.80%10.55%10.55%10.69%+20 bps
Equity / Assets10.49%10.84%10.33%10.32%10.66%+17 bps
Liquidity & Funding
Loans / Deposits62.18%63.31%61.62%61.84%64.38%+221 bps
Liquid Assets / Assets33.87%33.26%35.38%35.57%32.79%-108 bps
CRE / Total Capitaln/a322%330%329%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

Crews Bank & Trust

Wauchula, FL · Cert 8021 · Peer group: banks $1B-$10B in assets (n=322-328) · Crews Banking Corp.

State charter, non-member · FDIC · 20 branches

Q2 2026

$2.3BAssets
$1.3BLoans
$2.1BDeposits
$248.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets (rank 33 of 322).
  • Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets (rank 306 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.49%

Rank 86 of 328

Net Interest Margin

3.63%

Rank 115 of 328

Efficiency Ratio

55.18%

Rank 118 of 328

Equity / Assets

10.66%

Rank 148 of 328

Non-interest income vs. expense

$19.0M$57.4MINCOMEEXPENSE
Unfavorable gap of $38.4M · efficiency ratio beats 64% of banks $1B-$10B in assets
Bank 55.18%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.49%0.91%1.22%1.52%Beats 74%86 / 328
Return on Equity14.00%8.43%11.45%14.43%Beats 71%95 / 328
Net Interest Margin3.63%3.03%3.45%3.83%Beats 65%115 / 328
Efficiency Ratio55.18%51.61%59.56%67.53%Beats 64%118 / 328
Asset Quality
Nonperforming Loans / Loans0.06%0.24%0.51%1.03%Beats 90%33 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 61%128 / 322
Capital
Tier 1 Capital Ratio10.69%11.75%13.15%15.47%Beats 10%294 / 328
Total Risk-Based Capital Ratio10.69%12.63%14.15%16.46%Beats 7%306 / 328
Equity / Assets10.66%9.15%10.33%12.01%Beats 55%148 / 328
Liquidity & Funding
Loans / Deposits64.38%76.63%87.92%95.36%9th pctl293 / 323
Loans / Assets57.18%65.18%74.15%79.98%14th pctl282 / 328
Brokered Deposits / Depositsn/aNot reported for this institution