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Ives Bank

Danbury, CT · Cert 15912 · Ives Mutual Holding Co. Inc.

SI · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 operating in a single state (n=257 to 258). 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

47

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

40

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

Ives Bank

Danbury, CT · Cert 15912 · Ives Mutual Holding Co. Inc.

SI · FDIC · 16 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.4BDeposits
$230.8MEquity
Loan mix
94%RE $1.3B6%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.0B24%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.93%Q2 ’245.03%Q2 ’255.09%Q2 ’26+9%+8%

Non-interest income vs. expense

2.14%Q2 ’242.26%Q2 ’252.28%Q2 ’26+10%+2%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.6% share · #12 of 25 inst. · $1.2B of $77.9B

1.9% Western Connecticut
1.3% Naugatuck Valley

Executive Summary

  • Earnings: ROA of 1.08%, up 17 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 1.41% of loans (-29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.87%, up 51 bps from a year ago.
  • Funding: loans stand at 105.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+25 bps YoY

Efficiency Ratio (YTD, annualized)

62.55%-384 bps YoY

Tier 1 Leverage Ratio

13.87%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.93%0.98%1.01%1.08%+17 bps
Return on Equity7.18%7.28%7.61%7.60%8.15%+96 bps
Net Interest Margin2.97%2.99%3.03%3.24%3.22%+25 bps
Efficiency Ratio66.39%66.07%64.82%61.73%62.55%-384 bps
Non-Interest Burden1.82%1.83%1.81%1.83%1.85%+3 bps
Growth
Asset Growth (YoY)1.70%2.35%2.13%3.71%4.87%+317 bps
Loan Growth (YoY)1.26%3.07%2.31%3.19%4.57%+331 bps
Deposit Growth (YoY)10.92%7.40%6.73%7.08%7.48%-343 bps
Asset Quality
Nonperforming Loans / Loans1.70%1.54%1.45%1.42%1.41%-29 bps
Net Charge-Offs / Loans-0.07%-0.05%-0.04%0.00%0.00%+7 bps
Allowance / Loans1.27%1.28%1.29%1.31%1.29%+2 bps
Allowance Coverage of NPLs0.7x0.8x0.9x0.9x0.9x+0.2x
Capital
Tier 1 Leverage Ratio13.36%13.47%13.61%13.84%13.87%+51 bps
Total Risk-Based Capital13.36%13.47%13.61%13.84%13.87%+51 bps
Equity / Assets12.95%13.08%13.25%13.36%13.32%+37 bps
Liquidity & Funding
Loans / Deposits108.27%109.26%103.58%104.50%105.34%-293 bps
Liquid Assets / Assets3.23%3.52%2.72%2.14%2.08%-115 bps
CRE / Total Capitaln/a207%205%209%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

Ives Bank

Danbury, CT · Cert 15912 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Ives Mutual Holding Co. Inc.

SI · FDIC · 16 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.4BDeposits
$230.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 31 of 258).
  • Widest gap: nonperforming loans / loans trails 86% of banks $1B-$10B in assets operating in a single state (rank 222 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 163 of 258

Net Interest Margin

3.22%

Rank 180 of 258

Efficiency Ratio

62.55%

Rank 156 of 257

Equity / Assets

13.32%

Rank 31 of 258

Non-interest income vs. expense

$7.2M$38.8MINCOMEEXPENSE
Unfavorable gap of $31.6M · efficiency ratio beats 40% of banks $1B-$10B in assets operating in a single state
Bank 62.55%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.93%1.23%1.54%Beats 37%163 / 258
Return on Equity8.00%9.26%11.84%14.74%Beats 18%212 / 258
Net Interest Margin3.22%3.16%3.49%3.88%Beats 30%180 / 258
Efficiency Ratio62.55%51.71%60.30%69.65%Beats 40%156 / 257
Asset Quality
Nonperforming Loans / Loans1.41%0.19%0.46%0.90%Beats 14%222 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 80%52 / 258
Capital
Tier 1 Capital Ratio13.87%11.41%12.98%15.12%Beats 62%97 / 258
Total Risk-Based Capital Ratio13.87%12.10%13.91%16.08%Beats 50%130 / 258
Equity / Assets13.32%9.09%10.24%11.72%Beats 88%31 / 258
Liquidity & Funding
Loans / Deposits105.34%73.24%86.34%95.95%91st pctl22 / 258
Loans / Assets83.23%63.01%72.27%78.40%90th pctl26 / 258
Brokered Deposits / Depositsn/aNot reported for this institution