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Habib American Bank

New York, NY · Cert 25093 · Maham Beteiligungsgesellschaft Ag

State charter, non-member · FDIC · 6 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

60

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

Habib American Bank

New York, NY · Cert 25093 · Maham Beteiligungsgesellschaft Ag

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.8BAssets
$1.9BLoans
$2.0BDeposits
$252.2MEquity
Loan mix
98%RE $1.8B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.6B18%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.97%Q2 ’244.83%Q2 ’255.06%Q2 ’26+13%+29%

Non-interest income vs. expense

1.67%Q2 ’241.55%Q2 ’251.75%Q2 ’26-7%+32%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #71 of 151 inst. · $1.3B of $2921.1B

0.2% Los Angeles
0.0% New York
0.3% Nassau
0.3% Queens

Executive Summary

  • Earnings: ROA of 0.99%, up 17 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.73% of loans (+44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.49%, up 40 bps from a year ago.
  • Funding: loans stand at 98.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+48 bps YoY

Efficiency Ratio (YTD, annualized)

55.91%-287 bps YoY

Tier 1 Leverage Ratio

8.49%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.86%0.82%0.96%0.99%+17 bps
Return on Equity9.40%9.74%9.32%11.04%11.35%+194 bps
Net Interest Margin1.67%1.75%1.82%2.18%2.14%+48 bps
Efficiency Ratio58.78%57.74%58.74%56.75%55.91%-287 bps
Non-Interest Burden0.58%0.59%0.65%0.78%0.76%+19 bps
Growth
Asset Growth (YoY)-4.98%1.82%11.72%4.22%6.08%+1,106 bps
Loan Growth (YoY)9.27%11.81%14.16%14.72%13.28%+401 bps
Deposit Growth (YoY)13.85%14.39%13.79%11.93%13.24%-61 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.46%1.13%1.37%0.73%+44 bps
Net Charge-Offs / Loans-0.02%0.01%0.00%0.00%0.00%+2 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.10%8.40%8.62%8.90%8.49%+40 bps
Total Risk-Based Capital14.55%14.62%14.18%14.37%14.03%-52 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits98.16%97.24%102.04%100.80%98.19%+3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/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

Habib American Bank

New York, NY · Cert 25093 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Maham Beteiligungsgesellschaft Ag

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.8BAssets
$1.9BLoans
$2.0BDeposits
$252.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: equity / assets trails 92% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 33 of 36).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 18 of 36

Net Interest Margin

2.14%

Rank 29 of 36

Efficiency Ratio

55.91%

Rank 15 of 35

Equity / Assets

8.89%

Rank 33 of 36

Non-interest income vs. expense

$29.0M$51.6MINCOMEEXPENSE
Unfavorable gap of $22.6M · efficiency ratio beats 60% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 55.91%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.65%1.00%1.72%Beats 50%18 / 36
Return on Equity11.22%5.35%9.30%13.56%Beats 63%13 / 35
Net Interest Margin2.14%2.66%3.13%3.63%Beats 19%29 / 36
Efficiency Ratio55.91%52.19%63.09%75.14%Beats 60%15 / 35
Asset Quality
Nonperforming Loans / Loans0.73%0.46%0.84%1.59%Beats 61%15 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio12.79%13.13%14.78%18.34%Beats 19%29 / 36
Total Risk-Based Capital Ratio14.03%13.73%15.96%19.27%Beats 31%25 / 36
Equity / Assets8.89%9.80%11.58%14.82%Beats 8%33 / 36
Liquidity & Funding
Loans / Deposits98.19%81.12%95.13%103.24%58th pctl15 / 36
Loans / Assets67.79%67.44%76.31%84.79%28th pctl26 / 36
Brokered Deposits / Depositsn/aNot reported for this institution