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Interamerican Bank, A Federal Savings Bank

Miami, FL · Cert 31823

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=570 to 617). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

23

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

Interamerican Bank, A Federal Savings Bank

Miami, FL · Cert 31823

State savings bank · OCC · 5 branches

Q2 2026

$355.7MAssets
$234.4MLoans
$306.6MDeposits
$38.6MEquity
Loan mix
98%RE $222.7M0%C&I $1.0M1%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $240.6M22%Noninterest $66.0MQ2 2025Q2 2026

NIM

5.72%Q2 ’246.04%Q2 ’255.39%Q2 ’26+5%-22%

Non-interest income vs. expense

3.38%Q2 ’243.55%Q2 ’252.95%Q2 ’26+5%-20%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #52 of 86 inst. · $0.3B of $348.8B

0.1% Miami-Dade
0.0% Palm Beach

Executive Summary

  • Earnings: ROA of 0.55%, down 17 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.73% of loans (-25 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.21%, down 222 bps from a year ago.
  • Funding: loans stand at 76.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-93 bps YoY

Efficiency Ratio (YTD, annualized)

80.36%+191 bps YoY

Tier 1 Leverage Ratio

11.21%-222 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.77%0.70%0.55%0.55%-17 bps
Return on Equity5.34%5.83%5.43%4.80%4.84%-50 bps
Net Interest Margin4.27%4.21%3.90%3.46%3.34%-93 bps
Efficiency Ratio78.45%80.15%80.00%80.49%80.36%+191 bps
Non-Interest Burden3.30%3.32%3.06%2.71%2.62%-67 bps
Growth
Asset Growth (YoY)6.63%13.75%20.26%25.39%24.38%+1,775 bps
Loan Growth (YoY)5.80%2.43%3.67%2.03%3.72%-208 bps
Deposit Growth (YoY)4.59%15.15%22.57%29.01%29.04%+2,445 bps
Asset Quality
Nonperforming Loans / Loans0.98%0.35%0.35%0.77%0.73%-25 bps
Net Charge-Offs / Loans-0.07%-0.05%-0.06%-0.04%-0.03%+4 bps
Allowance / Loans2.14%2.04%2.06%2.03%1.97%-18 bps
Allowance Coverage of NPLs2.2x5.9x5.9x2.6x2.7x+0.5x
Capital
Tier 1 Leverage Ratio13.43%12.96%12.14%11.67%11.21%-222 bps
Total Risk-Based Capital20.25%20.16%19.87%19.76%19.14%-110 bps
Equity / Assets12.98%12.45%11.77%11.37%10.86%-212 bps
Liquidity & Funding
Loans / Deposits95.08%86.94%84.55%77.97%76.43%-1,866 bps
Liquid Assets / Assets18.98%23.86%27.73%30.69%32.35%+1,337 bps
CRE / Total Capitaln/a325%330%333%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

Interamerican Bank, A Federal Savings Bank

Miami, FL · Cert 31823 · Peer group: banks under $1B in assets (n=570-617)

State savings bank · OCC · 5 branches

Q2 2026

$355.7MAssets
$234.4MLoans
$306.6MDeposits
$38.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
  • Widest gap: return on assets trails 80% of banks under $1B in assets (rank 492 of 617).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.52%

Rank 492 of 617

Net Interest Margin

3.34%

Rank 373 of 617

Efficiency Ratio

80.36%

Rank 476 of 617

Equity / Assets

10.86%

Rank 288 of 617

Non-interest income vs. expense

$1.1M$10.2MINCOMEEXPENSE
Unfavorable gap of $9.0M · efficiency ratio beats 23% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.60%1.01%1.45%Beats 20%492 / 617
Return on Equity4.78%5.30%9.43%13.30%Beats 22%481 / 617
Net Interest Margin3.34%3.04%3.54%4.05%Beats 40%373 / 617
Efficiency Ratio80.36%58.03%67.76%79.08%Beats 23%476 / 617
Asset Quality
Nonperforming Loans / Loans0.73%0.09%0.47%1.27%Beats 38%355 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio17.88%11.18%13.83%18.55%Beats 73%169 / 617
Total Risk-Based Capital Ratio19.14%11.56%14.39%19.39%Beats 74%160 / 617
Equity / Assets10.86%9.03%10.55%13.63%Beats 53%288 / 617
Liquidity & Funding
Loans / Deposits76.43%64.77%79.70%93.06%44th pctl324 / 582
Loans / Assets65.89%51.70%67.18%77.51%47th pctl324 / 617
Brokered Deposits / Depositsn/aNot reported for this institution