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Ascendia Bank

Glen Rock, NJ · Cert 28729

SI · FDIC · 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 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

35

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

Ascendia Bank

Glen Rock, NJ · Cert 28729

SI · FDIC · 5 branches

Q2 2026

$395.3MAssets
$321.5MLoans
$318.8MDeposits
$35.9MEquity
Loan mix
100%RE $316.8M0%C&I $0.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $286.7M10%Noninterest $32.1MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.68%Q2 ’254.84%Q2 ’26+7%+22%

Non-interest income vs. expense

2.46%Q2 ’242.34%Q2 ’252.32%Q2 ’26-5%0%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #108 of 151 inst. · $0.3B of $2921.1B

0.2% Bergen
0.3% Essex
0.2% Passaic

Executive Summary

  • Earnings: ROA of 0.24%, up 58 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.13% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.29%, up 23 bps from a year ago.
  • Funding: loans stand at 100.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%+58 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+44 bps YoY

Efficiency Ratio (YTD, annualized)

89.50%-1,842 bps YoY

Tier 1 Leverage Ratio

9.29%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%-0.25%-0.17%0.14%0.24%+58 bps
Return on Equity-3.79%-2.76%-1.81%1.54%2.58%+637 bps
Net Interest Margin1.98%2.05%2.14%2.33%2.43%+44 bps
Efficiency Ratio107.92%106.20%103.37%95.57%89.50%-1,842 bps
Non-Interest Burden2.16%2.18%2.21%2.22%2.15%0 bps
Growth
Asset Growth (YoY)1.10%0.69%-3.64%-1.49%1.38%+27 bps
Loan Growth (YoY)0.03%-0.59%-3.74%-0.40%2.57%+253 bps
Deposit Growth (YoY)8.50%9.80%2.41%6.65%3.97%-453 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.12%0.06%0.05%0.13%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.53%0.53%0.54%0.52%0.52%-1 bps
Allowance Coverage of NPLs2.4x4.4x9.6x9.6x3.9x+1.5x
Capital
Tier 1 Leverage Ratio9.05%9.11%9.24%9.32%9.29%+23 bps
Total Risk-Based Capital14.24%14.09%15.26%14.68%14.33%+8 bps
Equity / Assets9.08%9.08%9.38%9.17%9.09%+1 bps
Liquidity & Funding
Loans / Deposits102.24%101.80%104.58%101.68%100.85%-138 bps
Liquid Assets / Assets12.73%12.92%11.13%12.18%12.60%-13 bps
CRE / Total Capitaln/a342%329%348%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

Ascendia Bank

Glen Rock, NJ · Cert 28729 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

SI · FDIC · 5 branches

Q2 2026

$395.3MAssets
$321.5MLoans
$318.8MDeposits
$35.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 27 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.23%

Rank 21 of 31

Net Interest Margin

2.43%

Rank 27 of 31

Efficiency Ratio

89.50%

Rank 21 of 31

Equity / Assets

9.09%

Rank 27 of 31

Non-interest income vs. expense

$0.7M$9.0MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 35% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 89.50%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%-0.02%0.39%0.84%Beats 32%21 / 31
Return on Equity2.57%-0.19%2.57%5.72%Beats 48%16 / 31
Net Interest Margin2.43%2.51%3.30%3.85%Beats 13%27 / 31
Efficiency Ratio89.50%68.41%83.66%91.76%Beats 35%21 / 31
Asset Quality
Nonperforming Loans / Loans0.13%0.18%0.47%2.65%Beats 80%7 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio13.67%13.24%15.54%26.77%Beats 32%21 / 31
Total Risk-Based Capital Ratio14.33%14.07%16.32%26.77%Beats 35%20 / 31
Equity / Assets9.09%10.38%13.26%17.83%Beats 13%27 / 31
Liquidity & Funding
Loans / Deposits100.85%84.03%94.98%103.65%65th pctl11 / 31
Loans / Assets81.33%61.61%75.31%83.78%65th pctl11 / 31
Brokered Deposits / Depositsn/aNot reported for this institution