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Schuyler Savings Bank

Kearny, NJ · Cert 30072

SI · FDIC · 2 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

32

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

Schuyler Savings Bank

Kearny, NJ · Cert 30072

SI · FDIC · 2 branches

Q2 2026

$151.2MAssets
$128.0MLoans
$118.0MDeposits
$21.1MEquity
Loan mix
100%RE $122.7M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $115.6M2%Noninterest $2.4MQ2 2025Q2 2026

NIM

4.24%Q2 ’244.43%Q2 ’254.62%Q2 ’26+17%+15%

Non-interest income vs. expense

2.20%Q2 ’242.21%Q2 ’252.36%Q2 ’26+1%+7%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #127 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of 0.20%, up 12 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.36% of loans (-22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.07%, down 83 bps from a year ago.
  • Funding: loans stand at 108.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.20%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+33 bps YoY

Efficiency Ratio (YTD, annualized)

90.92%-629 bps YoY

Tier 1 Leverage Ratio

14.07%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.13%0.18%0.21%0.20%+12 bps
Return on Equity0.49%0.83%1.21%1.46%1.38%+90 bps
Net Interest Margin2.16%2.26%2.25%2.39%2.48%+33 bps
Efficiency Ratio97.22%94.15%90.69%89.99%90.92%-629 bps
Non-Interest Burden2.09%2.12%2.03%2.14%2.25%+15 bps
Growth
Asset Growth (YoY)1.18%0.43%6.03%7.57%9.57%+839 bps
Loan Growth (YoY)-3.74%-2.78%9.65%6.70%13.04%+1,678 bps
Deposit Growth (YoY)1.41%0.36%5.63%7.47%9.99%+858 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.56%0.43%0.44%0.36%-22 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.92%0.83%0.85%0.81%-9 bps
Allowance Coverage of NPLs1.6x1.7x1.9x1.9x2.3x+0.7x
Capital
Tier 1 Leverage Ratio14.91%15.07%14.43%13.95%14.07%-83 bps
Total Risk-Based Capital14.91%15.07%14.43%13.95%14.07%-83 bps
Equity / Assets15.13%15.17%14.34%14.05%13.96%-117 bps
Liquidity & Funding
Loans / Deposits105.53%103.16%110.05%105.21%108.46%+292 bps
Liquid Assets / Assets10.12%12.22%7.28%10.50%8.04%-209 bps
CRE / Total Capitaln/a116.10%123.89%117.46%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

Schuyler Savings Bank

Kearny, NJ · Cert 30072 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

SI · FDIC · 2 branches

Q2 2026

$151.2MAssets
$128.0MLoans
$118.0MDeposits
$21.1MEquity

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: net interest margin trails 81% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 25 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.19%

Rank 22 of 31

Net Interest Margin

2.48%

Rank 25 of 31

Efficiency Ratio

90.92%

Rank 22 of 31

Equity / Assets

13.96%

Rank 14 of 31

Non-interest income vs. expense

$0.2M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 32% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 90.92%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%-0.02%0.39%0.84%Beats 29%22 / 31
Return on Equity1.38%-0.19%2.57%5.72%Beats 32%21 / 31
Net Interest Margin2.48%2.51%3.30%3.85%Beats 19%25 / 31
Efficiency Ratio90.92%68.41%83.66%91.76%Beats 32%22 / 31
Asset Quality
Nonperforming Loans / Loans0.36%0.18%0.47%2.65%Beats 60%13 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio14.07%13.24%15.54%26.77%Beats 35%20 / 31
Total Risk-Based Capital Ratio14.07%14.07%16.32%26.77%Beats 23%24 / 31
Equity / Assets13.96%10.38%13.26%17.83%Beats 55%14 / 31
Liquidity & Funding
Loans / Deposits108.46%84.03%94.98%103.65%84th pctl5 / 31
Loans / Assets84.67%61.61%75.31%83.78%84th pctl5 / 31
Brokered Deposits / Depositsn/aNot reported for this institution