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Mizuho Bank (USA)

New York, NY · Cert 21843 · Mizuho Financial Group Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

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

Mizuho Bank (USA)

New York, NY · Cert 21843 · Mizuho Financial Group Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$2.1BAssets
$400.4MLoans
$1.7BDeposits
$318.5MEquity
Loan mix
0%RE $0.0M100%C&I $146.4M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $1.4B19%Noninterest $0.3BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #62 of 151 inst. · $1.7B of $2921.1B

Executive Summary

  • Earnings: ROA of 1.22%, up 16 bps year over year; NIM at 1.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.05%, down 996 bps from a year ago.
  • Funding: loans stand at 23.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.22%+16 bps YoY

Net Interest Margin (YTD, annualized)

1.74%-15 bps YoY

Efficiency Ratio (YTD, annualized)

93.09%+789 bps YoY

Tier 1 Leverage Ratio

7.05%-996 bps YoY

NIM

4.93%Q2 ’244.19%Q2 ’253.56%Q2 ’26-29%-8%

Non-interest income vs. expense

8.19%Q2 ’247.57%Q2 ’2514.33%Q2 ’26+1584%+18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.65%1.10%1.06%1.17%1.36%1.38%1.22%+16 bps
Return on Equity10.04%9.55%6.90%6.27%6.64%7.26%5.25%5.05%-122 bps
Net Interest Margin2.52%1.84%1.85%1.88%1.94%2.03%1.65%1.74%-15 bps
Efficiency Ratio76.42%75.50%83.91%85.20%85.37%83.24%92.63%93.09%+789 bps
Non-Interest Burden0.09%0.06%0.47%0.57%0.54%0.23%0.57%0.67%+10 bps
Growth
Asset Growth (YoY)2.45%10.07%27.20%9.43%-0.02%-34.32%-45.90%-67.63%-7,706 bps
Loan Growth (YoY)-7.03%-10.09%-23.65%-14.78%-8.56%-28.24%-80.65%-83.57%-6,879 bps
Deposit Growth (YoY)0.64%10.05%31.92%9.57%-1.90%-42.48%-53.98%-66.37%-7,593 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 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 Ratio18.75%14.21%17.06%17.00%17.91%19.74%22.33%7.05%-996 bps
Total Risk-Based Capital24.07%24.90%26.41%25.19%26.46%31.66%114.29%33.56%+838 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits50.37%36.10%36.23%47.17%46.95%45.04%15.24%23.04%-2,413 bps
Liquid Assets / Assets0.01%0.00%0.00%0.01%0.01%0.01%0.01%0.01%+1 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

Mizuho Bank (USA)

New York, NY · Cert 21843 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Mizuho Financial Group Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$2.1BAssets
$400.4MLoans
$1.7BDeposits
$318.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 36).
  • Widest gap: efficiency ratio trails 94% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 34 of 35).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.22%

Rank 3 of 36

Net Interest Margin

1.74%

Rank 33 of 36

Efficiency Ratio

93.09%

Rank 34 of 35

Equity / Assets

14.90%

Rank 7 of 36

Non-interest income vs. expense

$624.1M$654.9MINCOMEEXPENSE
Unfavorable gap of $30.8M · efficiency ratio beats 6% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 93.09%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.22%0.65%1.00%1.72%Beats 92%3 / 36
Return on Equity14.91%5.35%9.30%13.56%Beats 80%7 / 35
Net Interest Margin1.74%2.66%3.13%3.63%Beats 8%33 / 36
Efficiency Ratio93.09%52.19%63.09%75.14%Beats 6%34 / 35
Asset Quality
Nonperforming Loans / Loans0.00%0.46%0.84%1.59%Beats 100%6 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio33.27%13.13%14.78%18.34%Beats 89%4 / 36
Total Risk-Based Capital Ratio33.56%13.73%15.96%19.27%Beats 89%4 / 36
Equity / Assets14.90%9.80%11.58%14.82%Beats 81%7 / 36
Liquidity & Funding
Loans / Deposits23.04%81.12%95.13%103.24%8th pctl33 / 36
Loans / Assets18.73%67.44%76.31%84.79%6th pctl34 / 36
Brokered Deposits / Depositsn/aNot reported for this institution