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Newtown Savings Bank

Newtown, CT · Cert 18199 · NSB Mutual Holding Co.

SI · FDIC · 19 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

21

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

Newtown Savings Bank

Newtown, CT · Cert 18199 · NSB Mutual Holding Co.

SI · FDIC · 19 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$167.1MEquity
Loan mix
94%RE $1.4B5%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.3B20%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.44%Q2 ’244.71%Q2 ’254.79%Q2 ’26+25%+4%

Non-interest income vs. expense

2.53%Q2 ’242.65%Q2 ’252.75%Q2 ’26+2%+4%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.4% share · #14 of 25 inst. · $1.1B of $77.9B

1.3% Western Connecticut
3.6% Naugatuck Valley
2.4% Greater Bridgeport

Executive Summary

  • Earnings: ROA of 0.75%, up 2 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.37% of loans (-7 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.48%, up 64 bps from a year ago.
  • Funding: loans stand at 97.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+13 bps YoY

Efficiency Ratio (YTD, annualized)

72.16%-31 bps YoY

Tier 1 Leverage Ratio

9.48%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.80%0.85%0.73%0.75%+2 bps
Return on Equity9.06%9.88%10.41%8.51%8.63%-43 bps
Net Interest Margin3.06%3.01%3.04%3.07%3.19%+13 bps
Efficiency Ratio72.47%70.43%68.77%73.60%72.16%-31 bps
Non-Interest Burden2.05%1.93%1.88%2.11%2.13%+8 bps
Growth
Asset Growth (YoY)3.13%1.27%3.49%5.01%2.19%-93 bps
Loan Growth (YoY)10.52%7.80%2.67%2.79%1.66%-885 bps
Deposit Growth (YoY)2.98%2.80%5.49%5.97%5.55%+257 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.39%0.52%0.47%0.37%-7 bps
Net Charge-Offs / Loans0.03%0.03%0.05%0.02%0.01%-2 bps
Allowance / Loans1.15%1.18%1.23%1.23%1.26%+11 bps
Allowance Coverage of NPLs2.7x3.0x2.4x2.6x3.4x+0.8x
Capital
Tier 1 Leverage Ratio8.84%8.76%9.01%9.11%9.48%+64 bps
Total Risk-Based Capital14.92%15.21%15.55%16.26%15.89%+97 bps
Equity / Assets8.20%8.24%8.58%8.48%8.92%+73 bps
Liquidity & Funding
Loans / Deposits101.06%93.40%93.78%91.36%97.34%-372 bps
Liquid Assets / Assets2.34%5.93%5.44%7.80%3.61%+127 bps
CRE / Total Capitaln/a188.04%189.52%189.22%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

Newtown Savings Bank

Newtown, CT · Cert 18199 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · NSB Mutual Holding Co.

SI · FDIC · 19 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$167.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 74% of banks $1B-$10B in assets operating in a single state (rank 68 of 258).
  • Widest gap: return on assets trails 85% of banks $1B-$10B in assets operating in a single state (rank 219 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.75%

Rank 219 of 258

Net Interest Margin

3.19%

Rank 188 of 258

Efficiency Ratio

72.16%

Rank 205 of 257

Equity / Assets

8.92%

Rank 205 of 258

Non-interest income vs. expense

$11.6M$51.6MINCOMEEXPENSE
Unfavorable gap of $39.9M · efficiency ratio beats 21% of banks $1B-$10B in assets operating in a single state
Bank 72.16%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.93%1.23%1.54%Beats 15%219 / 258
Return on Equity8.46%9.26%11.84%14.74%Beats 20%206 / 258
Net Interest Margin3.19%3.16%3.49%3.88%Beats 27%188 / 258
Efficiency Ratio72.16%51.71%60.30%69.65%Beats 21%205 / 257
Asset Quality
Nonperforming Loans / Loans0.37%0.19%0.46%0.90%Beats 58%109 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 60%103 / 258
Capital
Tier 1 Capital Ratio14.63%11.41%12.98%15.12%Beats 72%72 / 258
Total Risk-Based Capital Ratio15.89%12.10%13.91%16.08%Beats 74%68 / 258
Equity / Assets8.92%9.09%10.24%11.72%Beats 21%205 / 258
Liquidity & Funding
Loans / Deposits97.34%73.24%86.34%95.95%80th pctl52 / 258
Loans / Assets81.62%63.01%72.27%78.40%86th pctl37 / 258
Brokered Deposits / Depositsn/aNot reported for this institution