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Comerica Bank & Trust, National Association

Ann Arbor, MI · Cert 1596

FDIC · 1 branch

Q4 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 operating in a single state (n=821). 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

100

Q2 2024Q4 2025peer median (50)

Asset Quality

No peer data yet

Profitability

43

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

9

Q2 2024Q4 2025peer 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

Comerica Bank & Trust, National Association

Ann Arbor, MI · Cert 1596

FDIC · 1 branch

Q4 2025

$125.3MAssets
n/aLoans
$505KDeposits
$113.6MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $505KQ1 2024Q4 2025

Market Position · Ann Arbor, MI · 2025 SOD (annual) · 0.0% share · #17 of 17 inst. · $0.0B of $11.9B

Executive Summary

  • Earnings: ROA of 5.84%, up 115 bps year over year; NIM at 0.02%.
  • Capital: tier 1 leverage ratio of 93.78%, up 521 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

5.84%+115 bps YoY

Net Interest Margin (YTD, annualized)

0.02%0 bps YoY

Efficiency Ratio (YTD, annualized)

90.07%-146 bps YoY

Tier 1 Leverage Ratio

93.78%+521 bps YoY

NIM

0.03%Q4 ’230.02%Q4 ’240.02%Q4 ’25-21%-2%

Non-interest income vs. expense

67.91%Q4 ’2379.90%Q4 ’2483.00%Q4 ’25+85%-32%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets2.88%11.60%10.23%4.69%5.94%8.73%6.21%5.84%+115 bps
Return on Equity3.02%12.26%10.82%4.99%6.44%9.49%6.81%6.41%+142 bps
Net Interest Margin0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.02%0 bps
Efficiency Ratio93.74%82.41%83.92%91.53%89.71%86.44%89.39%90.07%-146 bps
Non-Interest Burden-3.91%-15.87%-13.36%-5.81%-8.37%-11.96%-8.33%-7.69%-188 bps
Growth
Asset Growth (YoY)29.26%29.49%21.88%12.11%6.87%5.74%8.65%7.38%-473 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)3.56%2.77%-13.13%0.40%-3.44%-0.77%-7.10%-0.59%-99 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio97.78%102.45%98.16%88.57%99.40%97.81%94.53%93.78%+521 bps
Total Risk-Based Capital234%198.62%241%248%290%301%256%267%+1,943 bps
Equity / Assets93.80%93.05%94.39%91.19%93.18%91.38%88.75%90.61%-58 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/a0.00%0.00%n/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

Comerica Bank & Trust, National Association

Ann Arbor, MI · Cert 1596 · Peer group: banks under $1B in assets operating in a single state (n=821)

FDIC · 1 branch

Q4 2025

$125.3MAssets
n/aLoans
$505KDeposits
$113.6MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 821).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets operating in a single state (rank 820 of 821).
  • Overall: at or above the peer median on 5 of 8 directional measures.

Return on Assets

5.65%

Rank 2 of 821

Net Interest Margin

0.02%

Rank 820 of 821

Efficiency Ratio

91.50%

Rank 751 of 821

Equity / Assets

90.61%

Rank 3 of 821

Non-interest income vs. expense

$109.6M$100.3MINCOMEEXPENSE
Favorable gap of $9.3M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state
Bank 91.50%Peer median 67.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets5.65%0.60%0.92%1.29%Beats 100%2 / 821
Return on Equity6.23%5.53%9.01%12.39%Beats 29%580 / 821
Net Interest Margin0.02%2.96%3.47%4.01%Beats 0%820 / 821
Efficiency Ratio91.50%58.51%67.52%77.71%Beats 9%751 / 821
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio267%11.57%13.96%18.25%Beats 100%3 / 821
Total Risk-Based Capital Ratio267%11.91%14.63%18.88%Beats 100%3 / 821
Equity / Assets90.61%8.73%10.33%12.96%Beats 100%3 / 821
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assetsn/aNot reported for this institution
Brokered Deposits / Deposits0.00%n/an/a3.16%Beats 100%503 / 821