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Maspeth Federal Savings and Loan Association

Maspeth, NY · Cert 30303

State savings bank · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

57

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

Maspeth Federal Savings and Loan Association

Maspeth, NY · Cert 30303

State savings bank · OCC · 8 branches

Q2 2026

$2.2BAssets
$2.0BLoans
$1.4BDeposits
$772.3MEquity
Loan mix
100%RE $2.0B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $1.3B4%Noninterest $0.1BQ2 2025Q2 2026

NIM

4.41%Q2 ’244.63%Q2 ’254.78%Q2 ’26+7%+8%

Non-interest income vs. expense

2.18%Q2 ’242.13%Q2 ’252.15%Q2 ’26-2%+2%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #67 of 151 inst. · $1.4B of $2921.1B

1.5% Queens
0.2% Nassau

Executive Summary

  • Earnings: ROA of 1.10%, up 27 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.22% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 34.89%, unchanged from a year ago.
  • Funding: loans stand at 140.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+26 bps YoY

Efficiency Ratio (YTD, annualized)

59.29%-372 bps YoY

Tier 1 Leverage Ratio

34.89%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.91%0.84%1.08%1.10%+27 bps
Return on Equity2.40%2.64%2.44%3.14%3.16%+76 bps
Net Interest Margin3.37%3.47%3.44%3.60%3.63%+26 bps
Efficiency Ratio63.02%61.37%63.66%58.10%59.29%-372 bps
Non-Interest Burden2.12%2.12%2.18%2.08%2.15%+3 bps
Growth
Asset Growth (YoY)-1.59%-2.46%-0.33%1.65%3.08%+467 bps
Loan Growth (YoY)-2.62%-2.44%-1.30%-0.53%0.52%+315 bps
Deposit Growth (YoY)-3.81%-4.82%-1.89%1.17%3.25%+705 bps
Asset Quality
Nonperforming Loans / Loans1.35%1.48%1.37%1.34%1.22%-13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.91%0.94%0.94%0.93%+1 bps
Allowance Coverage of NPLs0.7x0.6x0.7x0.7x0.8x+0.1x
Capital
Tier 1 Leverage Ratio34.88%35.56%35.07%34.83%34.89%0 bps
Total Risk-Based Capital34.88%35.56%35.07%34.83%34.89%0 bps
Equity / Assets34.98%35.20%34.57%34.39%34.92%-5 bps
Liquidity & Funding
Loans / Deposits143.87%144.41%139.30%137.93%140.08%-379 bps
Liquid Assets / Assets4.25%4.39%6.51%7.60%6.55%+230 bps
CRE / Total Capitaln/a139.70%140.77%140.98%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

Maspeth Federal Savings and Loan Association

Maspeth, NY · Cert 30303 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)

State savings bank · OCC · 8 branches

Q2 2026

$2.2BAssets
$2.0BLoans
$1.4BDeposits
$772.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: return on equity trails 86% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 30 of 35).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.10%

Rank 16 of 36

Net Interest Margin

3.63%

Rank 9 of 36

Efficiency Ratio

59.29%

Rank 16 of 35

Equity / Assets

34.92%

Rank 1 of 36

Non-interest income vs. expense

$0.0M$47.9MINCOMEEXPENSE
Unfavorable gap of $47.9M · efficiency ratio beats 57% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 59.29%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.65%1.00%1.72%Beats 56%16 / 36
Return on Equity3.14%5.35%9.30%13.56%Beats 14%30 / 35
Net Interest Margin3.63%2.66%3.13%3.63%Beats 75%9 / 36
Efficiency Ratio59.29%52.19%63.09%75.14%Beats 57%16 / 35
Asset Quality
Nonperforming Loans / Loans1.22%0.46%0.84%1.59%Beats 33%25 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio34.89%13.13%14.78%18.34%Beats 92%3 / 36
Total Risk-Based Capital Ratio34.89%13.73%15.96%19.27%Beats 92%3 / 36
Equity / Assets34.92%9.80%11.58%14.82%Beats 97%1 / 36
Liquidity & Funding
Loans / Deposits140.08%81.12%95.13%103.24%97th pctl1 / 36
Loans / Assets88.81%67.44%76.31%84.79%92nd pctl3 / 36
Brokered Deposits / Depositsn/aNot reported for this institution