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Dollar Bank, Federal Savings Bank

Pittsburgh, PA · Cert 32245 · Dollar Mutual Bcorp

State savings bank · OCC · 91 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B 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 over $10B in assets (n=142 to 144). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

7

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

Dollar Bank, Federal Savings Bank

Pittsburgh, PA · Cert 32245 · Dollar Mutual Bcorp

State savings bank · OCC · 91 branches

Q2 2026

$12.7BAssets
$9.9BLoans
$10.0BDeposits
$1.3BEquity
Loan mix
84%RE $8.2B13%C&I $1.2B3%Consumer $0.3BQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $8.5B15%Noninterest $1.5BQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 3.4% share · #6 of 48 inst. · $7.0B of $209.3B

3.4% Allegheny
1.8% Cuyahoga
5.9% Westmoreland
4.1% Lake

Executive Summary

  • Earnings: ROA of 0.61%, up 13 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.72% of loans (+3 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.05%, down 1 bps from a year ago.
  • Funding: loans stand at 98.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.61%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+15 bps YoY

Efficiency Ratio (YTD, annualized)

72.71%-431 bps YoY

Tier 1 Leverage Ratio

11.05%-1 bps YoY

NIM

4.56%Q2 ’244.69%Q2 ’254.78%Q2 ’26+10%+5%

Non-interest income vs. expense

2.37%Q2 ’242.50%Q2 ’252.46%Q2 ’26+7%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.48%0.48%0.51%0.53%0.60%0.61%+13 bps
Return on Equity4.02%4.35%4.76%4.78%5.04%5.19%5.84%5.92%+114 bps
Net Interest Margin2.62%2.66%2.85%2.88%2.91%2.89%3.00%3.03%+15 bps
Efficiency Ratio79.08%78.49%78.57%77.02%74.93%75.71%73.48%72.71%-431 bps
Non-Interest Burden1.99%2.00%2.17%2.14%2.09%2.10%2.11%2.10%-3 bps
Growth
Asset Growth (YoY)1.13%1.16%1.60%3.84%4.85%7.50%6.28%6.30%+246 bps
Loan Growth (YoY)2.64%3.23%3.80%3.64%5.12%5.54%5.48%5.83%+220 bps
Deposit Growth (YoY)5.59%2.94%2.37%3.18%4.15%4.12%3.44%2.13%-105 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.72%0.66%0.69%1.04%1.14%1.08%0.72%+3 bps
Net Charge-Offs / Loans0.14%0.14%0.10%0.10%0.11%0.11%0.08%0.08%-1 bps
Allowance / Loans0.87%0.86%0.86%0.89%0.91%0.94%0.96%0.97%+8 bps
Allowance Coverage of NPLs1.2x1.2x1.3x1.3x0.9x0.8x0.9x1.3x+0.1x
Capital
Tier 1 Leverage Ratio10.87%10.98%11.07%11.06%11.03%10.96%10.98%11.05%-1 bps
Total Risk-Based Capital17.20%16.91%16.90%16.54%16.50%16.24%16.51%16.45%-9 bps
Equity / Assets10.01%9.88%10.12%10.19%10.22%10.23%10.38%10.32%+13 bps
Liquidity & Funding
Loans / Deposits94.02%94.41%93.55%95.49%94.89%95.70%95.40%98.95%+346 bps
Liquid Assets / Assets2.07%1.05%1.56%0.20%0.63%0.61%0.25%0.14%-6 bps
CRE / Total Capitaln/an/an/an/a192.74%197.14%194.48%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

Dollar Bank, Federal Savings Bank

Pittsburgh, PA · Cert 32245 · Peer group: banks over $10B in assets (n=142-144) · Dollar Mutual Bcorp

State savings bank · OCC · 91 branches

Q2 2026

$12.7BAssets
$9.9BLoans
$10.0BDeposits
$1.3BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 80% of banks over $10B in assets (rank 29 of 144).
  • Widest gap: return on equity trails 94% of banks over $10B in assets (rank 136 of 144).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.60%

Rank 135 of 144

Net Interest Margin

3.03%

Rank 96 of 144

Efficiency Ratio

72.77%

Rank 135 of 144

Equity / Assets

10.32%

Rank 93 of 144

Non-interest income vs. expense

$44.8M$309.0MINCOMEEXPENSE
Unfavorable gap of $264.1M · efficiency ratio beats 7% of banks over $10B in assets
Bank 72.77%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.60%1.00%1.26%1.54%Beats 6%135 / 144
Return on Equity5.85%8.98%11.34%14.40%Beats 6%136 / 144
Net Interest Margin3.03%2.82%3.31%3.68%Beats 33%96 / 144
Efficiency Ratio72.77%49.42%56.02%62.41%Beats 7%135 / 144
Asset Quality
Nonperforming Loans / Loans0.72%0.48%0.73%1.07%Beats 51%71 / 142
Net Charge-Offs / Loans0.06%0.05%0.11%0.22%Beats 69%45 / 142
Capital
Tier 1 Capital Ratio15.38%12.07%12.98%14.92%Beats 80%29 / 144
Total Risk-Based Capital Ratio16.45%13.39%14.14%16.25%Beats 77%33 / 144
Equity / Assets10.32%9.69%11.39%12.96%Beats 35%93 / 144
Liquidity & Funding
Loans / Deposits98.95%75.72%84.92%91.56%89th pctl16 / 143
Loans / Assets78.03%59.83%69.07%74.80%83rd pctl24 / 144
Brokered Deposits / Depositsn/aNot reported for this institution