Safe Harbor’s trailing 14-day average deposit balance was approximately $119.3 million as of September 30, 2026, compared with approximately $111.1 million as of September 30, 2025, up 7.4% and approximately 25% above the trailing 14-day average low of approximately $95.3 million recorded in May 2025. The quarter-end trailing 14-day balance is the Company’s highest since April 2024.

The trailing 14-day average client deposits increased approximately 4.1% from $104.6 million as of March 31, 2026, to approximately $108.9 million as of June 30, 2026, and increased approximately 9.6% sequentially to approximately $119.3 million as of September 30, 2026. The sequential increase in the third quarter was more than double the increase recorded in the second quarter.

Safe Harbor also expects revenue to benefit from the higher interest rate environment. Based on client deposit and loan balances as of September 30, 2026, and assuming those balances and the Company’s current arrangements with its partner financial institutions remain unchanged, the Company estimates that the Federal Reserve’s 25-basis-point increase in the federal funds target rate on September 16, 2026 will contribute approximately $150,000 in incremental annualized investment income. Actual results will depend on future balances, partner institution arrangements and any subsequent changes in interest rates, including rate decreases.