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Jewett City Savings Bank

Jewett City, CT · Cert 18237

SI · FDIC · 7 branches

Q2 2026

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: 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 operating in a single state (n=743 to 746). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

Jewett City Savings Bank

Jewett City, CT · Cert 18237

SI · FDIC · 7 branches

Q2 2026

$493.9MAssets
$406.4MLoans
$400.6MDeposits
$69.5MEquity
Loan mix
90%RE $345.6M9%C&I $36.3M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $315.1M21%Noninterest $85.5MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.17%Q2 ’255.34%Q2 ’26-2%+5%

Non-interest income vs. expense

3.43%Q2 ’243.34%Q2 ’253.72%Q2 ’26-2%+14%

Market Position · Norwich-New London-Willimantic, CT · 2026 SOD (annual) · 2.7% share · #9 of 14 inst. · $0.2B of $6.7B

14.4% Northeastern Connecticut
2.7% Southeastern Connecticut

Executive Summary

  • Earnings: ROA of 0.32%, down 50 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 1.01% of loans (+46 bps YoY), with net charge-offs at 0.88%.
  • Capital: tier 1 leverage ratio of 14.41%, down 8 bps from a year ago.
  • Funding: loans stand at 101.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+20 bps YoY

Efficiency Ratio (YTD, annualized)

75.79%+473 bps YoY

Tier 1 Leverage Ratio

14.41%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%1.01%1.09%0.64%0.32%-50 bps
Return on Equity5.79%7.12%7.63%4.47%2.27%-352 bps
Net Interest Margin4.07%4.03%3.99%4.06%4.27%+20 bps
Efficiency Ratio71.06%70.11%71.09%79.85%75.79%+473 bps
Non-Interest Burden2.70%2.63%2.65%3.11%3.07%+37 bps
Growth
Asset Growth (YoY)7.44%9.70%9.39%8.49%6.82%-62 bps
Loan Growth (YoY)7.22%10.96%8.37%7.81%7.66%+43 bps
Deposit Growth (YoY)8.42%7.53%8.32%6.06%5.86%-256 bps
Asset Quality
Nonperforming Loans / Loans0.56%1.46%1.29%1.81%1.01%+46 bps
Net Charge-Offs / Loans0.11%0.07%0.05%0.00%0.88%+78 bps
Allowance / Loans0.90%0.86%0.84%0.89%0.97%+7 bps
Allowance Coverage of NPLs1.6x0.6x0.6x0.5x1.0x-0.7x
Capital
Tier 1 Leverage Ratio14.49%14.30%13.99%14.16%14.41%-8 bps
Total Risk-Based Capital18.87%18.54%18.62%18.93%18.47%-40 bps
Equity / Assets14.16%14.10%14.19%14.34%14.07%-9 bps
Liquidity & Funding
Loans / Deposits99.77%101.97%100.15%100.39%101.46%+169 bps
Liquid Assets / Assets6.38%6.49%7.28%7.42%6.13%-25 bps
CRE / Total Capitaln/a294%293%292%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

Jewett City Savings Bank

Jewett City, CT · Cert 18237 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 7 branches

Q2 2026

$493.9MAssets
$406.4MLoans
$400.6MDeposits
$69.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks under $1B in assets operating in a single state (rank 139 of 746).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets operating in a single state (rank 721 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.32%

Rank 665 of 746

Net Interest Margin

4.27%

Rank 156 of 746

Efficiency Ratio

75.79%

Rank 563 of 746

Equity / Assets

14.07%

Rank 139 of 746

Non-interest income vs. expense

$3.1M$17.8MINCOMEEXPENSE
Unfavorable gap of $14.7M · efficiency ratio beats 25% of banks under $1B in assets operating in a single state
Bank 75.79%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.32%0.72%1.06%1.45%Beats 11%665 / 746
Return on Equity2.26%6.74%10.51%13.63%Beats 9%676 / 746
Net Interest Margin4.27%3.17%3.68%4.16%Beats 79%156 / 746
Efficiency Ratio75.79%55.74%64.58%75.47%Beats 25%563 / 746
Asset Quality
Nonperforming Loans / Loans1.01%0.09%0.42%1.07%Beats 27%546 / 743
Net Charge-Offs / Loans0.44%0.00%0.01%0.05%Beats 3%721 / 743
Capital
Tier 1 Capital Ratio17.46%11.55%13.75%17.60%Beats 74%194 / 746
Total Risk-Based Capital Ratio18.47%11.71%14.33%18.43%Beats 75%185 / 746
Equity / Assets14.07%8.90%10.51%13.06%Beats 81%139 / 746
Liquidity & Funding
Loans / Deposits101.46%61.31%78.27%90.78%91st pctl66 / 746
Loans / Assets82.30%53.60%66.97%76.08%90th pctl73 / 746
Brokered Deposits / Depositsn/aNot reported for this institution