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Terrabank, National Association

Miami, FL · Cert 26442

National charter · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

28

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

Terrabank, National Association

Miami, FL · Cert 26442

National charter · OCC · 5 branches

Q2 2026

$897.7MAssets
$605.2MLoans
$791.4MDeposits
$78.2MEquity
Loan mix
95%RE $541.5M5%C&I $28.7M0%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
40%Interest-bearing $316.9M60%Noninterest $474.5MQ2 2025Q2 2026

NIM

3.82%Q2 ’244.11%Q2 ’254.26%Q2 ’26+22%+8%

Non-interest income vs. expense

2.63%Q2 ’242.72%Q2 ’253.02%Q2 ’26+0%+16%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.2% share · #45 of 86 inst. · $0.8B of $348.8B

Executive Summary

  • Earnings: ROA of 0.71%, down 10 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.11% of loans (+7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.82%, up 15 bps from a year ago.
  • Funding: loans stand at 76.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+26 bps YoY

Efficiency Ratio (YTD, annualized)

73.44%+324 bps YoY

Tier 1 Leverage Ratio

9.82%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.84%0.94%0.67%0.71%-10 bps
Return on Equity10.30%10.39%11.33%7.61%8.11%-219 bps
Net Interest Margin3.10%3.14%3.18%3.32%3.36%+26 bps
Efficiency Ratio70.20%69.41%67.59%73.96%73.44%+324 bps
Non-Interest Burden1.95%1.95%1.90%2.24%2.27%+32 bps
Growth
Asset Growth (YoY)3.55%2.80%8.29%5.93%10.59%+704 bps
Loan Growth (YoY)-0.03%2.76%8.21%11.36%16.11%+1,614 bps
Deposit Growth (YoY)4.30%2.72%6.39%1.58%7.37%+307 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.03%0.03%0.11%+7 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.37%1.38%1.35%1.38%1.35%-2 bps
Allowance Coverage of NPLs39.4x40.5x40.2x43.4x12.7x-26.7x
Capital
Tier 1 Leverage Ratio9.68%9.72%9.86%9.86%9.82%+15 bps
Total Risk-Based Capital17.22%17.05%16.95%16.61%16.03%-118 bps
Equity / Assets8.47%8.73%8.88%8.80%8.71%+23 bps
Liquidity & Funding
Loans / Deposits70.72%71.82%73.53%74.99%76.48%+576 bps
Liquid Assets / Assets7.61%8.61%7.29%6.18%7.54%-8 bps
CRE / Total Capitaln/a387%406%402%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

Terrabank, National Association

Miami, FL · Cert 26442 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

National charter · OCC · 5 branches

Q2 2026

$897.7MAssets
$605.2MLoans
$791.4MDeposits
$78.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets operating in a single state (rank 196 of 743).
  • Widest gap: equity / assets trails 78% of banks under $1B in assets operating in a single state (rank 582 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.69%

Rank 571 of 746

Net Interest Margin

3.36%

Rank 504 of 746

Efficiency Ratio

73.44%

Rank 535 of 746

Equity / Assets

8.71%

Rank 582 of 746

Non-interest income vs. expense

$6.6M$26.5MINCOMEEXPENSE
Unfavorable gap of $19.9M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 73.44%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.72%1.06%1.45%Beats 23%571 / 746
Return on Equity7.97%6.74%10.51%13.63%Beats 33%499 / 746
Net Interest Margin3.36%3.17%3.68%4.16%Beats 32%504 / 746
Efficiency Ratio73.44%55.74%64.58%75.47%Beats 28%535 / 746
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.42%1.07%Beats 74%196 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 66%255 / 743
Capital
Tier 1 Capital Ratio14.78%11.55%13.75%17.60%Beats 59%306 / 746
Total Risk-Based Capital Ratio16.03%11.71%14.33%18.43%Beats 64%272 / 746
Equity / Assets8.71%8.90%10.51%13.06%Beats 22%582 / 746
Liquidity & Funding
Loans / Deposits76.48%61.31%78.27%90.78%47th pctl397 / 746
Loans / Assets67.42%53.60%66.97%76.08%51st pctl363 / 746
Brokered Deposits / Depositsn/aNot reported for this institution