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Eastbank, National Association

New York, NY · Cert 25749 · Evergreen Holdings LLC

National charter · OCC · 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 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 under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

52

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

Eastbank, National Association

New York, NY · Cert 25749 · Evergreen Holdings LLC

National charter · OCC · 1 branch

Q2 2026

$153.0MAssets
$101.3MLoans
$104.7MDeposits
$35.0MEquity
Loan mix
99%RE $95.0M1%C&I $0.5M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $85.8M18%Noninterest $18.9MQ2 2025Q2 2026

NIM

4.98%Q2 ’245.21%Q2 ’255.57%Q2 ’26+16%+28%

Non-interest income vs. expense

3.03%Q2 ’243.09%Q2 ’253.07%Q2 ’26+1%+0%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #131 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of 0.42%, up 64 bps year over year; NIM at 3.53%.
  • 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 22.99%, up 88 bps from a year ago.
  • Funding: loans stand at 96.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%+64 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+77 bps YoY

Efficiency Ratio (YTD, annualized)

83.66%-2,205 bps YoY

Tier 1 Leverage Ratio

22.99%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.21%1.93%0.83%0.36%0.42%+64 bps
Return on Equity-1.13%9.64%4.01%1.51%1.80%+293 bps
Net Interest Margin2.77%2.82%3.02%3.57%3.53%+77 bps
Efficiency Ratio105.70%28.88%34.62%85.47%83.66%-2,205 bps
Non-Interest Burden2.93%-4.94%-3.00%3.03%2.93%0 bps
Growth
Asset Growth (YoY)-5.05%-3.06%-8.39%-3.86%6.95%+1,200 bps
Loan Growth (YoY)-1.53%-2.55%-2.44%-0.66%6.85%+838 bps
Deposit Growth (YoY)-4.17%-7.02%-14.07%-8.30%-1.87%+229 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.36%2.41%2.74%2.71%2.55%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio22.11%23.78%23.52%24.27%22.99%+88 bps
Total Risk-Based Capital30.75%36.71%32.31%32.49%31.11%+37 bps
Equity / Assets19.90%23.57%23.76%23.97%22.89%+299 bps
Liquidity & Funding
Loans / Deposits88.84%85.34%89.11%91.15%96.74%+790 bps
Liquid Assets / Assets4.61%27.04%11.55%10.27%10.77%+616 bps
CRE / Total Capitaln/a213%221%225%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

Eastbank, National Association

New York, NY · Cert 25749 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Evergreen Holdings LLC

National charter · OCC · 1 branch

Q2 2026

$153.0MAssets
$101.3MLoans
$104.7MDeposits
$35.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 30).
  • Widest gap: return on equity trails 61% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 19 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

0.41%

Rank 15 of 31

Net Interest Margin

3.53%

Rank 11 of 31

Efficiency Ratio

83.66%

Rank 16 of 31

Equity / Assets

22.89%

Rank 7 of 31

Non-interest income vs. expense

$0.2M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 52% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 83.66%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%-0.02%0.39%0.84%Beats 52%15 / 31
Return on Equity1.80%-0.19%2.57%5.72%Beats 39%19 / 31
Net Interest Margin3.53%2.51%3.30%3.85%Beats 65%11 / 31
Efficiency Ratio83.66%68.41%83.66%91.76%Beats 52%16 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.47%2.65%Beats 100%5 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio29.85%13.24%15.54%26.77%Beats 77%7 / 31
Total Risk-Based Capital Ratio31.11%14.07%16.32%26.77%Beats 77%7 / 31
Equity / Assets22.89%10.38%13.26%17.83%Beats 77%7 / 31
Liquidity & Funding
Loans / Deposits96.74%84.03%94.98%103.65%52nd pctl15 / 31
Loans / Assets66.19%61.61%75.31%83.78%29th pctl22 / 31
Brokered Deposits / Depositsn/aNot reported for this institution