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

Asset Quality

Profitability

Liquidity

Efficiency

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.

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

Deposit mix

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.

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

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	0.58%	0.58%	0.78%	0.82%	0.86%	0.82%	0.96%	0.99%	+17 bps
Return on Equity	6.57%	6.49%	8.91%	9.40%	9.74%	9.32%	11.04%	11.35%	+194 bps
Net Interest Margin	1.27%	1.49%	1.74%	1.67%	1.75%	1.82%	2.18%	2.14%	+48 bps
Efficiency Ratio	66.25%	65.50%	59.89%	58.78%	57.74%	58.74%	56.75%	55.91%	-287 bps
Non-Interest Burden	0.54%	0.62%	0.61%	0.58%	0.59%	0.65%	0.78%	0.76%	+19 bps
Growth
Asset Growth (YoY)	7.88%	7.48%	16.06%	-4.98%	1.82%	11.72%	4.22%	6.08%	+1,106 bps
Loan Growth (YoY)	9.94%	10.58%	8.84%	9.27%	11.81%	14.16%	14.72%	13.28%	+401 bps
Deposit Growth (YoY)	10.55%	13.83%	12.11%	13.85%	14.39%	13.79%	11.93%	13.24%	-61 bps
Asset Quality
Nonperforming Loans / Loans	0.42%	0.45%	0.44%	0.28%	0.46%	1.13%	1.37%	0.73%	+44 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	-0.02%	0.01%	0.00%	0.00%	0.00%	+2 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	7.80%	9.01%	8.97%	8.10%	8.40%	8.62%	8.90%	8.49%	+40 bps
Total Risk-Based Capital	15.07%	14.97%	15.10%	14.55%	14.62%	14.18%	14.37%	14.03%	-52 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	99.48%	101.72%	98.35%	98.16%	97.24%	102.04%	100.80%	98.19%	+3 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a

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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.00%	0.65%	1.00%	1.72%	Beats 50%	18 / 36
Return on Equity	11.22%	5.35%	9.30%	13.56%	Beats 63%	13 / 35
Net Interest Margin	2.14%	2.66%	3.13%	3.63%	Beats 19%	29 / 36
Efficiency Ratio	55.91%	52.19%	63.09%	75.14%	Beats 60%	15 / 35
Asset Quality
Nonperforming Loans / Loans	0.73%	0.46%	0.84%	1.59%	Beats 61%	15 / 36
Net Charge-Offs / Loans	0.00%	n/a	0.03%	0.14%	Beats 100%	11 / 36
Capital
Tier 1 Capital Ratio	12.79%	13.13%	14.78%	18.34%	Beats 19%	29 / 36
Total Risk-Based Capital Ratio	14.03%	13.73%	15.96%	19.27%	Beats 31%	25 / 36
Equity / Assets	8.89%	9.80%	11.58%	14.82%	Beats 8%	33 / 36
Liquidity & Funding
Loans / Deposits	98.19%	81.12%	95.13%	103.24%	58th pctl	15 / 36
Loans / Assets	67.79%	67.44%	76.31%	84.79%	28th pctl	26 / 36
Brokered Deposits / Deposits	n/a	Not reported for this institution