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Banco Do Brasil Americas

Miami, FL · Cert 26725 · Banco Do Brasil Sa

State charter, non-member · FDIC · 4 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

79

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

Banco Do Brasil Americas

Miami, FL · Cert 26725 · Banco Do Brasil Sa

State charter, non-member · FDIC · 4 branches

Q2 2026

$3.5BAssets
$2.2BLoans
$3.1BDeposits
$373.3MEquity
Loan mix
92%RE $1.9B3%C&I $0.1B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $2.2B30%Noninterest $0.9BQ2 2025Q2 2026

NIM

5.30%Q2 ’245.37%Q2 ’255.32%Q2 ’260%-2%

Non-interest income vs. expense

1.77%Q2 ’241.84%Q2 ’252.05%Q2 ’26+5%+13%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.8% share · #24 of 86 inst. · $2.9B of $348.8B

1.3% Miami-Dade
0.5% Orange
0.1% Broward

Executive Summary

  • Earnings: ROA of 1.57%, down 7 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.83% of loans (+46 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.90%, up 33 bps from a year ago.
  • Funding: loans stand at 70.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-8 bps YoY

Efficiency Ratio (YTD, annualized)

49.94%+553 bps YoY

Tier 1 Leverage Ratio

10.90%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.66%1.63%1.57%1.57%-7 bps
Return on Equity15.88%15.95%15.51%14.45%14.52%-136 bps
Net Interest Margin3.72%3.69%3.74%3.73%3.65%-8 bps
Efficiency Ratio44.41%44.49%46.88%48.44%49.94%+553 bps
Non-Interest Burden1.40%1.38%1.49%1.53%1.58%+18 bps
Growth
Asset Growth (YoY)10.53%12.86%13.23%11.81%11.17%+64 bps
Loan Growth (YoY)30.68%28.20%21.19%19.03%16.72%-1,396 bps
Deposit Growth (YoY)9.45%11.69%12.46%10.61%10.86%+140 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.84%0.76%0.86%0.83%+46 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.01%0.02%+2 bps
Allowance / Loans1.34%1.36%1.35%1.34%1.31%-3 bps
Allowance Coverage of NPLs3.6x1.6x1.8x1.6x1.6x-2.0x
Capital
Tier 1 Leverage Ratio10.57%10.62%11.01%10.95%10.90%+33 bps
Total Risk-Based Capital24.71%23.85%24.85%24.46%24.56%-16 bps
Equity / Assets10.44%10.62%11.04%10.73%10.75%+31 bps
Liquidity & Funding
Loans / Deposits67.29%69.12%70.09%69.98%70.85%+356 bps
Liquid Assets / Assets10.12%9.07%8.26%7.83%6.68%-345 bps
CRE / Total Capitaln/a110.91%108.27%119.65%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

Banco Do Brasil Americas

Miami, FL · Cert 26725 · Peer group: banks $1B-$10B in assets (n=322-328) · Banco Do Brasil Sa

State charter, non-member · FDIC · 4 branches

Q2 2026

$3.5BAssets
$2.2BLoans
$3.1BDeposits
$373.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of banks $1B-$10B in assets (rank 21 of 328).
  • Widest gap: nonperforming loans / loans trails 66% of banks $1B-$10B in assets (rank 215 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.52%

Rank 82 of 328

Net Interest Margin

3.65%

Rank 113 of 328

Efficiency Ratio

49.94%

Rank 69 of 328

Equity / Assets

10.75%

Rank 141 of 328

Non-interest income vs. expense

$16.3M$71.3MINCOMEEXPENSE
Unfavorable gap of $54.9M · efficiency ratio beats 79% of banks $1B-$10B in assets
Bank 49.94%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.91%1.22%1.52%Beats 75%82 / 328
Return on Equity14.15%8.43%11.45%14.43%Beats 72%92 / 328
Net Interest Margin3.65%3.03%3.45%3.83%Beats 66%113 / 328
Efficiency Ratio49.94%51.61%59.56%67.53%Beats 79%69 / 328
Asset Quality
Nonperforming Loans / Loans0.83%0.24%0.51%1.03%Beats 34%215 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 70%99 / 322
Capital
Tier 1 Capital Ratio23.30%11.75%13.15%15.47%Beats 94%21 / 328
Total Risk-Based Capital Ratio24.56%12.63%14.15%16.46%Beats 94%20 / 328
Equity / Assets10.75%9.15%10.33%12.01%Beats 57%141 / 328
Liquidity & Funding
Loans / Deposits70.85%76.63%87.92%95.36%17th pctl267 / 323
Loans / Assets62.97%65.18%74.15%79.98%22nd pctl257 / 328
Brokered Deposits / Depositsn/aNot reported for this institution