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Jpmorgan Chase Bank, Dearborn

Dearborn, MI · Cert 21761 · Jpmorgan Chase&Co

State charter, Fed member · FED · 1 branch

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=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

100

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

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

Jpmorgan Chase Bank, Dearborn

Dearborn, MI · Cert 21761 · Jpmorgan Chase&Co

State charter, Fed member · FED · 1 affiliate bank · 1 branch (5,142 in holding)

Q2 2026

$71.5MAssets
$0KLoans
$500KDeposits
$71.0MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2024Q2 2026

Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.0% share · #34 of 37 inst. · $0.0B of $183.9B

Executive Summary

  • Earnings: ROA of 2.85%, down 56 bps year over year; NIM at 3.76%.
  • Capital: tier 1 leverage ratio of 99.63%, down 4 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.85%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-72 bps YoY

Efficiency Ratio (YTD, annualized)

0.15%+15 bps YoY

Tier 1 Leverage Ratio

99.63%-4 bps YoY

NIM

5.63%Q2 ’244.52%Q2 ’253.79%Q2 ’26-20%-16%

Non-interest income vs. expense

0.00%Q2 ’240.00%Q2 ’250.01%Q2 ’26

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.21%4.13%3.30%3.41%3.38%3.32%2.75%2.85%-56 bps
Return on Equity4.25%4.16%3.33%3.44%3.41%3.35%2.77%2.87%-57 bps
Net Interest Margin5.49%5.36%4.35%4.48%4.42%4.38%3.64%3.76%-72 bps
Efficiency Ratio0.00%0.00%0.00%0.00%0.00%0.39%0.31%0.15%+15 bps
Non-Interest Burden0.00%0.00%0.00%0.00%0.00%0.02%0.01%0.01%+1 bps
Growth
Asset Growth (YoY)4.34%4.17%3.86%3.78%3.57%3.38%3.20%3.09%-69 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
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 Ratio99.65%99.68%99.58%99.66%99.60%99.62%99.54%99.63%-4 bps
Total Risk-Based Capital508%508%507%508%508%508%507%508%+3 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 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

Jpmorgan Chase Bank, Dearborn

Dearborn, MI · Cert 21761 · Peer group: banks under $1B in assets operating in a single state (n=746) · Jpmorgan Chase&Co

State charter, Fed member · FED · 1 affiliate bank · 1 branch (5,142 in holding)

Q2 2026

$71.5MAssets
$0KLoans
$500KDeposits
$71.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets operating in a single state (rank 1 of 746).
  • Widest gap: return on equity trails 89% of banks under $1B in assets operating in a single state (rank 664 of 746).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.83%

Rank 13 of 746

Net Interest Margin

3.76%

Rank 344 of 746

Efficiency Ratio

0.15%

Rank 1 of 746

Equity / Assets

99.28%

Rank 1 of 746

Non-interest income vs. expense

$0K$4KINCOMEEXPENSE
Unfavorable gap of $4K · efficiency ratio beats 100% of banks under $1B in assets operating in a single state
Bank 0.15%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.83%0.72%1.06%1.45%Beats 98%13 / 746
Return on Equity2.85%6.74%10.51%13.63%Beats 11%664 / 746
Net Interest Margin3.76%3.17%3.68%4.16%Beats 54%344 / 746
Efficiency Ratio0.15%55.74%64.58%75.47%Beats 100%1 / 746
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio508%11.55%13.75%17.60%Beats 100%1 / 746
Total Risk-Based Capital Ratio508%11.71%14.33%18.43%Beats 100%1 / 746
Equity / Assets99.28%8.90%10.51%13.06%Beats 100%1 / 746
Liquidity & Funding
Loans / Deposits0.00%61.31%78.27%90.78%0th pctl744 / 746
Loans / Assets0.00%53.60%66.97%76.08%0th pctl744 / 746
Brokered Deposits / Depositsn/aNot reported for this institution