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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

4.86%Q2 ’244.93%Q2 ’254.95%Q2 ’26-2%+4%

Non-interest income vs. expense

2.51%Q2 ’242.50%Q2 ’252.46%Q2 ’26-4%-4%

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 1.59%, up 19 bps year over year; NIM at 3.72%.
  • 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 (quarter, annualized)

1.59%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+15 bps YoY

Efficiency Ratio (quarter, annualized)

53.68%-316 bps YoY

Tier 1 Leverage Ratio

10.69%+20 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.38%1.48%1.38%1.59%+19 bps
Return on Equity13.54%12.91%13.99%13.38%15.16%+162 bps
Net Interest Margin3.56%3.60%3.62%3.59%3.72%+15 bps
Efficiency Ratio56.84%57.35%53.73%56.78%53.68%-316 bps
Non-Interest Burden1.66%1.74%1.55%1.70%1.60%-7 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 / Loans0.03%-0.02%0.01%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