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Letter portraitLegal landscapeQuarterYTD

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 $0.0BQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $1.3B20%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.32%0.78%0.72%0.80%0.85%0.73%0.75%+2 bps
Return on Equity3.00%4.27%9.89%9.06%9.88%10.41%8.51%8.63%-43 bps
Net Interest Margin2.45%2.59%2.96%3.06%3.01%3.04%3.07%3.19%+13 bps
Efficiency Ratio83.08%80.33%72.64%72.47%70.43%68.77%73.60%72.16%-31 bps
Non-Interest Burden1.94%1.97%1.98%2.05%1.93%1.88%2.11%2.13%+8 bps
Growth
Asset Growth (YoY)1.33%-2.11%-1.83%3.13%1.27%3.49%5.01%2.19%-93 bps
Loan Growth (YoY)6.06%7.35%8.13%10.52%7.80%2.67%2.79%1.66%-885 bps
Deposit Growth (YoY)2.88%1.69%3.36%2.98%2.80%5.49%5.97%5.55%+257 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.21%0.37%0.43%0.39%0.52%0.47%0.37%-7 bps
Net Charge-Offs / Loans0.62%0.45%-0.01%0.03%0.03%0.05%0.02%0.01%-2 bps
Allowance / Loans1.15%1.14%1.16%1.15%1.18%1.23%1.23%1.26%+11 bps
Allowance Coverage of NPLs5.3x5.4x3.1x2.7x3.0x2.4x2.6x3.4x+0.8x
Capital
Tier 1 Leverage Ratio8.08%8.43%8.57%8.84%8.76%9.01%9.11%9.48%+64 bps
Total Risk-Based Capital15.14%14.81%15.08%14.92%15.21%15.55%16.26%15.89%+97 bps
Equity / Assets7.52%7.80%7.96%8.20%8.24%8.58%8.48%8.92%+73 bps
Liquidity & Funding
Loans / Deposits89.07%96.35%94.18%101.06%93.40%93.78%91.36%97.34%-372 bps
Liquid Assets / Assets9.73%4.00%5.37%2.34%5.93%5.44%7.80%3.61%+127 bps
CRE / Total Capitaln/an/an/an/a188.04%189.52%189.22%n/an/a