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Main Bank

Albuquerque, NM · Cert 22086 · Main Banc Inc.

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 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

83

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

Main Bank

Albuquerque, NM · Cert 22086 · Main Banc Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$245.2MAssets
$195.2MLoans
$211.4MDeposits
$28.8MEquity
Loan mix
90%RE $169.7M10%C&I $18.4M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $150.2M29%Noninterest $61.3MQ2 2025Q2 2026

NIM

5.23%Q2 ’245.81%Q2 ’255.75%Q2 ’26+27%+2%

Non-interest income vs. expense

1.74%Q2 ’242.24%Q2 ’252.19%Q2 ’26+16%+9%

Market Position · Albuquerque, NM · 2026 SOD (annual) · 1.1% share · #14 of 26 inst. · $0.2B of $19.8B

Executive Summary

  • Earnings: ROA of 1.65%, up 1 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (-52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.55%, down 15 bps from a year ago.
  • Funding: loans stand at 92.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+7 bps YoY

Efficiency Ratio (YTD, annualized)

51.49%+55 bps YoY

Tier 1 Leverage Ratio

11.55%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.68%1.79%1.58%1.65%+1 bps
Return on Equity15.22%15.90%16.70%14.07%14.45%-77 bps
Net Interest Margin4.05%3.94%3.83%3.98%4.12%+7 bps
Efficiency Ratio50.94%49.28%47.53%51.68%51.49%+55 bps
Non-Interest Burden1.89%1.81%1.71%2.00%2.06%+17 bps
Growth
Asset Growth (YoY)-5.40%5.78%-3.17%4.83%-0.60%+480 bps
Loan Growth (YoY)0.34%1.93%-2.36%-4.40%-1.40%-173 bps
Deposit Growth (YoY)-2.07%16.16%5.04%9.34%2.89%+496 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.00%0.00%0.00%0.00%-52 bps
Net Charge-Offs / Loans-0.04%-0.18%-0.14%0.00%0.00%+3 bps
Allowance / Loans1.43%1.54%1.59%1.64%1.57%+14 bps
Allowance Coverage of NPLs2.8xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.70%11.12%10.48%11.41%11.55%-15 bps
Total Risk-Based Capital15.27%15.47%15.85%16.44%16.07%+80 bps
Equity / Assets11.17%10.16%11.23%11.22%11.75%+58 bps
Liquidity & Funding
Loans / Deposits96.31%82.86%89.74%84.40%92.30%-401 bps
Liquid Assets / Assets3.34%2.49%1.26%6.55%7.39%+405 bps
CRE / Total Capitaln/a576%560%533%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

Main Bank

Albuquerque, NM · Cert 22086 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Main Banc Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$245.2MAssets
$195.2MLoans
$211.4MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: tier 1 capital ratio trails 40% of banks under $1B in assets operating in a single state (rank 302 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.68%

Rank 115 of 746

Net Interest Margin

4.12%

Rank 201 of 746

Efficiency Ratio

51.49%

Rank 127 of 746

Equity / Assets

11.75%

Rank 255 of 746

Non-interest income vs. expense

$0.3M$5.6MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state
Bank 51.49%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.68%0.72%1.06%1.45%Beats 85%115 / 746
Return on Equity14.30%6.74%10.51%13.63%Beats 80%152 / 746
Net Interest Margin4.12%3.17%3.68%4.16%Beats 73%201 / 746
Efficiency Ratio51.49%55.74%64.58%75.47%Beats 83%127 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.82%11.55%13.75%17.60%Beats 60%302 / 746
Total Risk-Based Capital Ratio16.07%11.71%14.33%18.43%Beats 64%270 / 746
Equity / Assets11.75%8.90%10.51%13.06%Beats 66%255 / 746
Liquidity & Funding
Loans / Deposits92.30%61.31%78.27%90.78%78th pctl163 / 746
Loans / Assets79.59%53.60%66.97%76.08%84th pctl116 / 746
Brokered Deposits / Depositsn/aNot reported for this institution