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Bradesco Bank

Coral Gables, FL · Cert 21265 · BBD Participacoes Sa

State charter, non-member · FDIC · 1 branch

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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

53

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

Bradesco Bank

Coral Gables, FL · Cert 21265 · BBD Participacoes Sa

State charter, non-member · FDIC · 1 branch

Q2 2026

$6.1BAssets
$4.6BLoans
$5.0BDeposits
$605.5MEquity
Loan mix
85%RE $2.8B12%C&I $0.4B2%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $4.0B19%Noninterest $1.0BQ3 2024Q2 2026

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.4% share · #14 of 86 inst. · $5.0B of $348.8B

Executive Summary

  • Earnings: ROA of 1.03%, up 12 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.15% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.09%, down 90 bps from a year ago.
  • Funding: loans stand at 91.27% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.03%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+4 bps YoY

Efficiency Ratio (YTD, annualized)

59.34%+66 bps YoY

Tier 1 Leverage Ratio

10.09%-90 bps YoY

NIM

5.73%Q2 ’245.61%Q2 ’255.34%Q2 ’26+8%+1%

Non-interest income vs. expense

1.95%Q2 ’241.91%Q2 ’251.98%Q2 ’26-6%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.71%0.90%0.91%0.94%0.94%1.15%1.03%+12 bps
Return on Equity6.47%6.54%8.96%8.90%9.15%9.11%10.82%9.99%+109 bps
Net Interest Margin2.39%2.27%2.65%2.67%2.60%2.58%2.72%2.71%+4 bps
Efficiency Ratio64.65%65.15%59.08%58.68%57.96%58.54%56.61%59.34%+66 bps
Non-Interest Burden1.37%1.32%1.32%1.33%1.27%1.29%1.25%1.35%+2 bps
Growth
Asset Growth (YoY)25.20%26.03%19.42%17.02%15.56%1.15%8.53%19.19%+217 bps
Loan Growth (YoY)17.12%15.71%18.18%15.96%14.69%17.78%11.90%15.17%-79 bps
Deposit Growth (YoY)27.51%27.65%18.86%14.21%15.38%-2.38%5.03%18.16%+395 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.19%0.22%0.26%0.18%0.20%0.22%0.15%-11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
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 Ratio11.71%10.99%10.92%10.98%10.66%10.57%10.20%10.09%-90 bps
Total Risk-Based Capital19.19%18.19%18.20%17.80%18.17%16.99%16.46%14.95%-284 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits88.10%78.64%87.07%93.65%87.57%94.87%92.77%91.27%-237 bps
Liquid Assets / Assets1.09%1.08%1.22%1.27%1.17%1.28%1.43%1.31%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Bradesco Bank

Coral Gables, FL · Cert 21265 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · BBD Participacoes Sa

State charter, non-member · FDIC · 1 branch

Q2 2026

$6.1BAssets
$4.6BLoans
$5.0BDeposits
$605.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 28 of 258).
  • Widest gap: net interest margin trails 91% of banks $1B-$10B in assets operating in a single state (rank 234 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.97%

Rank 184 of 258

Net Interest Margin

2.71%

Rank 234 of 258

Efficiency Ratio

59.34%

Rank 122 of 257

Equity / Assets

9.93%

Rank 145 of 258

Non-interest income vs. expense

$37.5M$118.3MINCOMEEXPENSE
Unfavorable gap of $80.9M · efficiency ratio beats 53% of banks $1B-$10B in assets operating in a single state
Bank 59.34%Peer median 60.3%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.97%0.93%1.23%1.54%Beats 29%184 / 258
Return on Equity9.75%9.26%11.84%14.74%Beats 31%179 / 258
Net Interest Margin2.71%3.16%3.49%3.88%Beats 9%234 / 258
Efficiency Ratio59.34%51.71%60.30%69.65%Beats 53%122 / 257
Asset Quality
Nonperforming Loans / Loans0.15%0.19%0.46%0.90%Beats 79%55 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 90%28 / 258
Capital
Tier 1 Capital Ratio13.93%11.41%12.98%15.12%Beats 64%94 / 258
Total Risk-Based Capital Ratio14.95%12.10%13.91%16.08%Beats 64%94 / 258
Equity / Assets9.93%9.09%10.24%11.72%Beats 44%145 / 258
Liquidity & Funding
Loans / Deposits91.27%73.24%86.34%95.95%64th pctl93 / 258
Loans / Assets74.88%63.01%72.27%78.40%58th pctl108 / 258
Brokered Deposits / Depositsn/aNot reported for this institution