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Magyar Bank

New Brunswick, NJ · Cert 30704 · Magyar Bcorp Inc.

SI · FDIC · 7 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

80

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

Magyar Bank

New Brunswick, NJ · Cert 30704 · Magyar Bcorp Inc.

SI · FDIC · 7 branches

Q2 2026

$1.0BAssets
$888.2MLoans
$860.4MDeposits
$122.6MEquity
Loan mix
98%RE $856.5M2%C&I $19.9M0%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $712.7M17%Noninterest $147.7MQ2 2025Q2 2026

NIM

5.14%Q2 ’245.42%Q2 ’255.62%Q2 ’26+10%+9%

Non-interest income vs. expense

2.02%Q2 ’241.96%Q2 ’251.94%Q2 ’26-9%+1%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #80 of 151 inst. · $0.9B of $2921.1B

1.3% Middlesex
0.6% Somerset

Executive Summary

  • Earnings: ROA of 1.25%, up 14 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.04% of loans (-7 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.29%, up 32 bps from a year ago.
  • Funding: loans stand at 103.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+29 bps YoY

Efficiency Ratio (YTD, annualized)

52.01%-446 bps YoY

Tier 1 Leverage Ratio

11.29%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.09%1.14%1.23%1.25%+14 bps
Return on Equity10.10%9.79%10.23%10.99%10.95%+85 bps
Net Interest Margin3.19%3.29%3.30%3.51%3.49%+29 bps
Efficiency Ratio56.48%56.10%55.25%52.46%52.01%-446 bps
Non-Interest Burden1.68%1.72%1.70%1.72%1.69%+1 bps
Growth
Asset Growth (YoY)4.55%4.79%3.66%4.54%6.16%+161 bps
Loan Growth (YoY)11.14%9.89%8.77%8.56%5.24%-589 bps
Deposit Growth (YoY)3.59%2.10%1.21%2.48%4.22%+63 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.05%0.04%0.03%0.04%-7 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.00%0.07%+7 bps
Allowance / Loans0.95%0.97%0.96%0.98%0.96%0 bps
Allowance Coverage of NPLs8.8x18.5x23.3x29.1x23.6x+14.9x
Capital
Tier 1 Leverage Ratio10.97%11.41%11.42%11.15%11.29%+32 bps
Total Risk-Based Capital15.71%15.79%15.77%15.86%15.97%+26 bps
Equity / Assets11.41%11.54%11.24%11.23%11.70%+29 bps
Liquidity & Funding
Loans / Deposits102.24%104.63%101.29%99.23%103.24%+100 bps
Liquid Assets / Assets7.44%7.20%9.25%10.50%7.15%-29 bps
CRE / Total Capitaln/a486%495%494%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

Magyar Bank

New Brunswick, NJ · Cert 30704 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Magyar Bcorp Inc.

SI · FDIC · 7 branches

Q2 2026

$1.0BAssets
$888.2MLoans
$860.4MDeposits
$122.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 7 of 36).
  • Widest gap: net charge-offs / loans trails 61% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 23 of 36).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.25%

Rank 12 of 36

Net Interest Margin

3.49%

Rank 13 of 36

Efficiency Ratio

52.01%

Rank 8 of 35

Equity / Assets

11.70%

Rank 16 of 36

Non-interest income vs. expense

$2.8M$21.1MINCOMEEXPENSE
Unfavorable gap of $18.3M · efficiency ratio beats 80% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 52.01%Peer median 63.1%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.65%1.00%1.72%Beats 67%12 / 36
Return on Equity10.71%5.35%9.30%13.56%Beats 54%16 / 35
Net Interest Margin3.49%2.66%3.13%3.63%Beats 64%13 / 36
Efficiency Ratio52.01%52.19%63.09%75.14%Beats 80%8 / 35
Asset Quality
Nonperforming Loans / Loans0.04%0.46%0.84%1.59%Beats 83%7 / 36
Net Charge-Offs / Loans0.03%n/a0.03%0.14%Beats 39%23 / 36
Capital
Tier 1 Capital Ratio14.89%13.13%14.78%18.34%Beats 53%17 / 36
Total Risk-Based Capital Ratio15.97%13.73%15.96%19.27%Beats 53%17 / 36
Equity / Assets11.70%9.80%11.58%14.82%Beats 56%16 / 36
Liquidity & Funding
Loans / Deposits103.24%81.12%95.13%103.24%75th pctl9 / 36
Loans / Assets84.79%67.44%76.31%84.79%75th pctl9 / 36
Brokered Deposits / Depositsn/aNot reported for this institution