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Bankgloucester

Gloucester, MA · Cert 26536

SI · FDIC · 3 branches

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 Boston-Cambridge-Newton, MA-NH 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 Boston-Cambridge-Newton, MA-NH area (n=28 to 29). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

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

Bankgloucester

Gloucester, MA · Cert 26536

SI · FDIC · 3 branches

Q2 2026

$386.9MAssets
$334.9MLoans
$304.2MDeposits
$32.6MEquity
Loan mix
97%RE $326.9M3%C&I $9.3M0%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $246.6M19%Noninterest $57.6MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

0.42%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+48 bps YoY

Efficiency Ratio (YTD, annualized)

83.20%-312 bps YoY

Tier 1 Leverage Ratio

8.70%+50 bps YoY

NIM

4.94%Q2 ’245.11%Q2 ’255.50%Q2 ’26+14%+15%

Non-interest income vs. expense

2.92%Q2 ’242.92%Q2 ’253.21%Q2 ’26+1%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.08%0.11%0.23%0.26%0.33%0.37%0.42%0.42%+16 bps
Net Interest Margin2.81%2.83%3.05%3.17%3.26%3.33%3.52%3.65%+48 bps
Non-Interest Burden2.66%2.63%2.69%2.71%2.69%2.74%2.94%3.00%+29 bps
Loan Growth (YoY)-0.19%0.79%3.29%4.54%2.93%3.62%0.82%-1.07%-560 bps
Nonperforming Loans / Loans2.09%1.76%1.94%2.20%2.52%2.49%2.75%2.98%+77 bps
Allowance / Loans1.02%1.03%1.01%1.04%1.09%1.08%1.03%1.05%+1 bps
Tier 1 Leverage Ratio8.29%8.24%8.24%8.20%8.18%8.27%8.53%8.70%+50 bps
Equity / Assets7.92%7.70%7.94%7.81%7.81%8.13%8.35%8.42%+60 bps
Liquid Assets / Assets0.66%3.12%0.65%2.05%4.32%1.70%1.23%0.68%-137 bps

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

Bankgloucester

Gloucester, MA · Cert 26536 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 3 branches

Q2 2026

$386.9MAssets
$334.9MLoans
$304.2MDeposits
$32.6MEquity

Return on Assets

0.42%

Rank 12 of 29

Net Interest Margin

3.65%

Rank 3 of 29

Efficiency Ratio

83.20%

Rank 13 of 29

Equity / Assets

8.42%

Rank 23 of 29

Non-interest income vs. expense

$0.8M$12.3MINCOMEEXPENSE
Unfavorable gap of $11.5M · efficiency ratio beats 59% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 83.20%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.42%0.23%0.39%0.50%Beats 59%12 / 29
Net Interest Margin3.65%2.42%2.71%3.01%Beats 90%3 / 29
Nonperforming Loans / Loans2.98%0.03%0.13%0.43%Beats 3%29 / 29
Tier 1 Capital Ratio13.48%11.54%13.48%16.99%Beats 48%15 / 29
Equity / Assets8.42%8.70%9.70%11.05%Beats 21%23 / 29
Loans / Assets86.57%69.12%73.70%81.02%93rd pctl2 / 29