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Letter portraitLegal landscapeQuarterYTD

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