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Pibank, National Association

Miami, FL · Cert 25258

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

1

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

Pibank, National Association

Miami, FL · Cert 25258

National charter · OCC · 2 branches

Q2 2026

$2.4BAssets
$1.1BLoans
$2.1BDeposits
$212.2MEquity
Loan mix
78%RE $726.3M22%C&I $202.8M0%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $2.0B4%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.22%Q2 ’245.35%Q2 ’254.74%Q2 ’26-7%-22%

Non-interest income vs. expense

3.30%Q2 ’242.72%Q2 ’251.89%Q2 ’26-16%-30%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.6% share · #29 of 86 inst. · $2.1B of $348.8B

Executive Summary

  • Earnings: ROA of -0.49%, up 13 bps year over year; NIM at 1.57%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.71%, up 15 bps from a year ago.
  • Funding: loans stand at 54.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.49%+13 bps YoY

Net Interest Margin (YTD, annualized)

1.57%-44 bps YoY

Efficiency Ratio (YTD, annualized)

116.89%-1,391 bps YoY

Tier 1 Leverage Ratio

9.71%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.61%-0.53%-0.80%-0.47%-0.49%+13 bps
Return on Equity-7.01%-5.90%-8.93%-5.38%-5.49%+153 bps
Net Interest Margin2.01%2.01%1.93%1.81%1.57%-44 bps
Efficiency Ratio130.80%126.32%138.20%123.36%116.89%-1,391 bps
Non-Interest Burden2.64%2.55%2.66%2.23%1.84%-80 bps
Growth
Asset Growth (YoY)111.50%94.53%51.45%67.60%86.19%-2,531 bps
Loan Growth (YoY)50.44%45.29%58.18%60.36%76.08%+2,564 bps
Deposit Growth (YoY)116.02%113.27%48.84%83.95%94.11%-2,192 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.09%0.05%0.13%+13 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.10%0.04%+4 bps
Allowance / Loans1.50%1.49%1.57%1.50%1.40%-9 bps
Allowance Coverage of NPLs3233.7x56.5x18.0x29.2x11.0x-3222.7x
Capital
Tier 1 Leverage Ratio9.56%10.05%10.35%9.84%9.71%+15 bps
Total Risk-Based Capital18.85%19.89%17.69%18.52%18.52%-33 bps
Equity / Assets8.86%9.76%8.96%8.63%8.94%+9 bps
Liquidity & Funding
Loans / Deposits59.56%59.78%61.49%51.59%54.03%-553 bps
Liquid Assets / Assets3.07%4.40%8.80%4.76%3.33%+26 bps
CRE / Total Capitaln/a293%342%287%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

Pibank, National Association

Miami, FL · Cert 25258 · Peer group: banks $1B-$10B in assets (n=322-328)

National charter · OCC · 2 branches

Q2 2026

$2.4BAssets
$1.1BLoans
$2.1BDeposits
$212.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 86% of banks $1B-$10B in assets (rank 46 of 328).
  • Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets (rank 326 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.41%

Rank 324 of 328

Net Interest Margin

1.57%

Rank 325 of 328

Efficiency Ratio

116.89%

Rank 326 of 328

Equity / Assets

8.94%

Rank 255 of 328

Non-interest income vs. expense

$1.0M$42.4MINCOMEEXPENSE
Unfavorable gap of $41.4M · efficiency ratio beats 1% of banks $1B-$10B in assets
Bank 116.89%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.41%0.91%1.22%1.52%Beats 1%324 / 328
Return on Equity-4.58%8.43%11.45%14.43%Beats 1%324 / 328
Net Interest Margin1.57%3.03%3.45%3.83%Beats 1%325 / 328
Efficiency Ratio116.89%51.61%59.56%67.53%Beats 1%326 / 328
Asset Quality
Nonperforming Loans / Loans0.13%0.24%0.51%1.03%Beats 85%50 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 57%139 / 322
Capital
Tier 1 Capital Ratio17.27%11.75%13.15%15.47%Beats 85%50 / 328
Total Risk-Based Capital Ratio18.52%12.63%14.15%16.46%Beats 86%46 / 328
Equity / Assets8.94%9.15%10.33%12.01%Beats 22%255 / 328
Liquidity & Funding
Loans / Deposits54.03%76.63%87.92%95.36%5th pctl308 / 323
Loans / Assets48.11%65.18%74.15%79.98%7th pctl305 / 328
Brokered Deposits / Depositsn/aNot reported for this institution