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Manasquan Bank

Wall Township, NJ · Cert 30470 · MB Mutual Holding Co.

SI · FDIC · 15 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

54

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

Manasquan Bank

Wall Township, NJ · Cert 30470 · MB Mutual Holding Co.

SI · FDIC · 15 branches

Q2 2026

$3.6BAssets
$3.0BLoans
$3.1BDeposits
$334.6MEquity
Loan mix
91%RE $2.6B8%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $2.5B19%Noninterest $0.6BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #47 of 151 inst. · $3.1B of $2921.1B

6.3% Monmouth
3.5% Ocean
0.6% Middlesex

Executive Summary

  • Earnings: ROA of 0.67%, down 13 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.64% of loans (-9 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 9.69%, up 21 bps from a year ago.
  • Funding: loans stand at 96.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+23 bps YoY

Efficiency Ratio (YTD, annualized)

59.58%-314 bps YoY

Tier 1 Leverage Ratio

9.69%+21 bps YoY

NIM

4.79%Q2 ’244.97%Q2 ’255.07%Q2 ’26+9%+8%

Non-interest income vs. expense

1.90%Q2 ’241.91%Q2 ’251.95%Q2 ’26-1%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.58%0.75%0.80%0.85%0.85%0.39%0.67%-13 bps
Return on Equity6.74%6.51%8.42%8.99%9.51%9.38%4.14%7.18%-181 bps
Net Interest Margin2.60%2.59%2.77%2.84%2.81%2.83%3.05%3.07%+23 bps
Efficiency Ratio67.42%67.23%64.03%62.72%61.79%61.73%61.84%59.58%-314 bps
Non-Interest Burden1.71%1.69%1.72%1.71%1.67%1.68%1.83%1.76%+5 bps
Growth
Asset Growth (YoY)6.17%8.48%8.56%8.60%10.58%8.09%6.35%8.82%+21 bps
Loan Growth (YoY)12.36%12.41%12.40%10.37%6.99%5.67%4.86%6.88%-349 bps
Deposit Growth (YoY)3.69%4.00%5.67%8.36%11.76%11.48%8.76%10.18%+182 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.59%0.57%0.72%0.86%0.85%0.75%0.64%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.16%0.11%0.10%0.57%0.28%+11 bps
Allowance / Loans0.82%0.86%0.87%0.79%0.80%0.80%0.85%0.85%+6 bps
Allowance Coverage of NPLs19.1x1.5x1.5x1.1x0.9x0.9x1.1x1.3x+0.2x
Capital
Tier 1 Leverage Ratio9.43%9.40%9.49%9.47%9.30%9.33%9.65%9.69%+21 bps
Total Risk-Based Capital11.74%11.68%11.54%11.60%11.84%11.75%12.07%11.94%+33 bps
Equity / Assets9.04%8.89%8.90%9.01%9.04%9.20%9.42%9.33%+32 bps
Liquidity & Funding
Loans / Deposits99.20%101.23%100.03%99.03%94.98%95.96%96.44%96.07%-296 bps
Liquid Assets / Assets5.06%5.68%6.99%6.88%9.85%9.13%8.30%8.11%+123 bps
CRE / Total Capitaln/an/an/an/a488%490%484%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

Manasquan Bank

Wall Township, NJ · Cert 30470 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · MB Mutual Holding Co.

SI · FDIC · 15 branches

Q2 2026

$3.6BAssets
$3.0BLoans
$3.1BDeposits
$334.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 13 of 36).
  • Widest gap: tier 1 capital ratio trails 92% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 33 of 36).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.65%

Rank 26 of 36

Net Interest Margin

3.07%

Rank 20 of 36

Efficiency Ratio

59.82%

Rank 17 of 35

Equity / Assets

9.33%

Rank 30 of 36

Non-interest income vs. expense

$6.4M$68.1MINCOMEEXPENSE
Unfavorable gap of $61.7M · efficiency ratio beats 54% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 59.82%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%0.65%1.00%1.72%Beats 28%26 / 36
Return on Equity6.98%5.35%9.30%13.56%Beats 37%22 / 35
Net Interest Margin3.07%2.66%3.13%3.63%Beats 44%20 / 36
Efficiency Ratio59.82%52.19%63.09%75.14%Beats 54%17 / 35
Asset Quality
Nonperforming Loans / Loans0.64%0.46%0.84%1.59%Beats 67%13 / 36
Net Charge-Offs / Loans0.14%n/a0.03%0.14%Beats 25%28 / 36
Capital
Tier 1 Capital Ratio11.00%13.13%14.78%18.34%Beats 8%33 / 36
Total Risk-Based Capital Ratio11.94%13.73%15.96%19.27%Beats 11%32 / 36
Equity / Assets9.33%9.80%11.58%14.82%Beats 17%30 / 36
Liquidity & Funding
Loans / Deposits96.07%81.12%95.13%103.24%53rd pctl17 / 36
Loans / Assets83.49%67.44%76.31%84.79%64th pctl13 / 36
Brokered Deposits / Depositsn/aNot reported for this institution