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Artisans' Bank

Wilmington, DE · Cert 17123

SI · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). 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

34

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

29

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

Artisans' Bank

Wilmington, DE · Cert 17123

SI · FDIC · 13 branches

Q2 2026

$718.2MAssets
$526.9MLoans
$643.0MDeposits
$68.0MEquity
Loan mix
94%RE $484.1M6%C&I $30.6M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $610.7M5%Noninterest $32.2MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.73%Q2 ’254.82%Q2 ’26+0%+9%

Non-interest income vs. expense

2.67%Q2 ’242.74%Q2 ’252.79%Q2 ’26+5%-1%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #39 of 88 inst. · $0.4B of $685.1B

0.1% New Castle
0.2% Sussex
2.5% Kent

Executive Summary

  • Earnings: ROA of 0.52%, up 21 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.74% of loans (+43 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.44%, up 29 bps from a year ago.
  • Funding: loans stand at 81.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+26 bps YoY

Efficiency Ratio (YTD, annualized)

79.29%-708 bps YoY

Tier 1 Leverage Ratio

10.44%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.42%0.48%0.41%0.52%+21 bps
Return on Equity3.60%4.80%5.34%4.37%5.54%+194 bps
Net Interest Margin2.85%2.89%2.92%3.05%3.12%+26 bps
Efficiency Ratio86.36%83.09%81.67%84.03%79.29%-708 bps
Non-Interest Burden2.42%2.35%2.32%2.51%2.39%-3 bps
Growth
Asset Growth (YoY)1.51%3.89%2.77%3.62%3.25%+174 bps
Loan Growth (YoY)2.06%1.82%1.48%3.42%3.38%+132 bps
Deposit Growth (YoY)1.84%7.11%3.82%3.10%2.89%+104 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.38%0.28%0.48%0.74%+43 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.01%0.01%+1 bps
Allowance / Loans0.99%0.98%0.98%0.98%1.01%+2 bps
Allowance Coverage of NPLs3.3x2.6x3.5x2.0x1.4x-1.9x
Capital
Tier 1 Leverage Ratio10.15%10.07%10.17%10.32%10.44%+29 bps
Total Risk-Based Capital13.64%13.91%13.83%14.00%13.95%+31 bps
Equity / Assets8.96%9.05%9.35%9.33%9.47%+51 bps
Liquidity & Funding
Loans / Deposits81.57%79.04%80.49%80.01%81.95%+39 bps
Liquid Assets / Assets3.92%6.17%4.25%4.78%3.87%-5 bps
CRE / Total Capitaln/a422%423%427%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

Artisans' Bank

Wilmington, DE · Cert 17123 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 13 branches

Q2 2026

$718.2MAssets
$526.9MLoans
$643.0MDeposits
$68.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 42% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 18 of 31).
  • Widest gap: return on assets trails 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 25 of 31).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.52%

Rank 25 of 31

Net Interest Margin

3.12%

Rank 18 of 31

Efficiency Ratio

79.29%

Rank 23 of 31

Equity / Assets

9.47%

Rank 23 of 31

Non-interest income vs. expense

$2.9M$20.3MINCOMEEXPENSE
Unfavorable gap of $17.4M · efficiency ratio beats 29% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 79.29%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.63%0.93%2.39%Beats 19%25 / 31
Return on Equity5.48%4.15%7.07%14.29%Beats 39%19 / 31
Net Interest Margin3.12%2.72%3.26%3.84%Beats 42%18 / 31
Efficiency Ratio79.29%49.04%63.83%80.34%Beats 29%23 / 31
Asset Quality
Nonperforming Loans / Loans0.74%0.00%0.24%1.22%Beats 37%18 / 27
Net Charge-Offs / Loans0.01%n/an/a0.01%Beats 30%20 / 27
Capital
Tier 1 Capital Ratio13.01%13.01%19.43%42.39%Beats 23%24 / 31
Total Risk-Based Capital Ratio13.95%13.95%20.55%43.38%Beats 23%24 / 31
Equity / Assets9.47%9.21%12.36%21.28%Beats 26%23 / 31
Liquidity & Funding
Loans / Deposits81.95%52.41%83.15%99.86%45th pctl17 / 31
Loans / Assets73.37%37.80%67.87%79.23%55th pctl14 / 31
Brokered Deposits / Depositsn/aNot reported for this institution