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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