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Eastern Savings Bank Federal Savings Bank

Hunt Valley, MD · Cert 32360

State savings bank · OCC · 3 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=581 to 629). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

69

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

Eastern Savings Bank Federal Savings Bank

Hunt Valley, MD · Cert 32360

State savings bank · OCC · 3 branches

Q2 2026

$336.4MAssets
$244.6MLoans
$208.0MDeposits
$108.6MEquity
Loan mix
100%RE $273.1M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $204.3M2%Noninterest $3.7MQ2 2025Q2 2026

NIM

6.68%Q2 ’247.10%Q2 ’257.19%Q2 ’26+1%+3%

Non-interest income vs. expense

3.68%Q2 ’243.46%Q2 ’253.40%Q2 ’26-9%-3%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.2% share · #25 of 40 inst. · $0.2B of $106.1B

0.6% Baltimore
0.4% Howard

Executive Summary

  • Earnings: ROA of 1.80%, up 17 bps year over year; NIM at 5.31%.
  • Asset quality: problem loans at 6.73% of loans (+256 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 30.96%, up 673 bps from a year ago.
  • Funding: loans stand at 117.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%+17 bps YoY

Net Interest Margin (YTD, annualized)

5.31%+17 bps YoY

Efficiency Ratio (YTD, annualized)

61.06%-349 bps YoY

Tier 1 Leverage Ratio

30.96%+673 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%2.47%2.37%1.87%1.80%+17 bps
Return on Equity6.74%9.97%9.30%6.30%5.90%-84 bps
Net Interest Margin5.14%5.13%5.61%5.36%5.31%+17 bps
Efficiency Ratio64.55%55.90%56.56%61.57%61.06%-349 bps
Non-Interest Burden3.24%2.32%2.69%3.20%3.14%-10 bps
Growth
Asset Growth (YoY)6.94%-3.10%-9.86%-13.89%-18.93%-2,587 bps
Loan Growth (YoY)1.03%-2.27%-8.55%-10.86%-21.46%-2,249 bps
Deposit Growth (YoY)10.71%-4.93%-14.00%-20.44%-27.64%-3,835 bps
Asset Quality
Nonperforming Loans / Loans4.17%4.08%4.43%5.53%6.73%+256 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans1.18%1.11%1.13%1.10%1.22%+4 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.2x0.2x-0.1x
Capital
Tier 1 Leverage Ratio24.23%24.85%28.18%29.71%30.96%+673 bps
Total Risk-Based Capital24.23%24.85%28.18%29.71%30.96%+673 bps
Equity / Assets23.96%26.67%28.95%30.43%32.28%+832 bps
Liquidity & Funding
Loans / Deposits108.35%118.48%118.43%121.15%117.59%+924 bps
Liquid Assets / Assets19.43%15.99%17.17%16.58%20.84%+140 bps
CRE / Total Capitaln/a192.68%172.81%168.31%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

Eastern Savings Bank Federal Savings Bank

Hunt Valley, MD · Cert 32360 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 3 branches

Q2 2026

$336.4MAssets
$244.6MLoans
$208.0MDeposits
$108.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 574 of 581).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.88%

Rank 87 of 629

Net Interest Margin

5.31%

Rank 14 of 629

Efficiency Ratio

61.06%

Rank 194 of 629

Equity / Assets

32.28%

Rank 55 of 629

Non-interest income vs. expense

$0.9M$11.9MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 69% of banks under $1B in assets
Bank 61.06%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.88%0.60%1.01%1.45%Beats 86%87 / 629
Return on Equity5.84%5.38%9.30%13.28%Beats 27%461 / 629
Net Interest Margin5.31%3.03%3.54%4.05%Beats 98%14 / 629
Efficiency Ratio61.06%58.35%67.79%79.08%Beats 69%194 / 629
Asset Quality
Nonperforming Loans / Loans6.73%0.09%0.46%1.20%Beats 1%574 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio30.96%11.24%13.84%18.77%Beats 88%78 / 629
Total Risk-Based Capital Ratio30.96%11.58%14.43%19.66%Beats 87%79 / 629
Equity / Assets32.28%9.09%10.65%13.80%Beats 91%55 / 629
Liquidity & Funding
Loans / Deposits117.59%67.24%80.90%93.48%98th pctl13 / 594
Loans / Assets72.69%53.31%67.71%78.15%60th pctl252 / 629
Brokered Deposits / Depositsn/aNot reported for this institution