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Homestreet Bank

Seattle, WA · Cert 32489

FDIC · 59 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 operating regionally (n=184). 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

43

Q2 2024Q2 2025peer median (50)

Asset Quality

54

Q2 2024Q2 2025peer median (50)

Profitability

2

Q2 2024Q2 2025peer median (50)

Liquidity

3

Q2 2024Q2 2025peer median

Efficiency

4

Q2 2024Q2 2025peer 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

Homestreet Bank

Seattle, WA · Cert 32489

FDIC · 59 branches

Q2 2025

$7.6BAssets
$6.0BLoans
$5.9BDeposits
$615.8MEquity
Loan mix
95%RE $5.1B5%C&I $0.3B0%Consumer $0.0BQ2 2024Q2 2025
Deposit mix
79%Interest-bearing $4.7B21%Noninterest $1.2BQ2 2024Q2 2025

NIM

4.09%Q2 ’234.34%Q2 ’244.35%Q2 ’25-29%+29%

Non-interest income vs. expense

2.92%Q2 ’232.05%Q2 ’242.35%Q2 ’25-36%+4%

Market Position · Seattle-Tacoma-Bellevue, WA · 2025 SOD (annual) · 2.3% share · #9 of 45 inst. · $3.2B of $140.9B

2.5% King
0.2% Los Angeles
1.4% Honolulu
1.8% Snohomish

Executive Summary

  • Earnings: ROA of 0.04%, up 15 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 1.13% of loans (+49 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.74%, up 30 bps from a year ago.
  • Funding: loans stand at 102.06% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.04%+15 bps YoY

Net Interest Margin (YTD, annualized)

1.86%+42 bps YoY

Efficiency Ratio (YTD, annualized)

90.90%-1,531 bps YoY

Tier 1 Leverage Ratio

8.74%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.10%-0.10%-1.45%0.05%0.04%+15 bps
Return on Equity-1.34%-1.29%-18.67%0.71%0.57%+191 bps
Net Interest Margin1.44%1.44%1.43%1.78%1.86%+42 bps
Efficiency Ratio106.22%107.11%218%95.28%90.90%-1,531 bps
Non-Interest Burden1.60%1.61%2.57%1.71%1.67%+7 bps
Growth
Asset Growth (YoY)-2.47%-2.71%-13.41%-17.48%-17.88%-1,542 bps
Loan Growth (YoY)-0.77%-1.34%-15.99%-18.30%-19.22%-1,844 bps
Deposit Growth (YoY)-1.92%-4.47%-5.15%-6.25%-10.45%-853 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.72%1.03%1.09%1.13%+49 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.00%0.00%-3 bps
Allowance / Loans0.54%0.52%0.62%0.65%0.76%+23 bps
Allowance Coverage of NPLs0.8x0.7x0.6x0.6x0.7x-0.2x
Capital
Tier 1 Leverage Ratio8.44%8.59%7.30%8.46%8.74%+30 bps
Total Risk-Based Capital13.29%13.41%13.02%13.40%13.66%+37 bps
Equity / Assets7.75%8.06%7.37%7.80%8.10%+34 bps
Liquidity & Funding
Loans / Deposits113.14%114.24%97.27%99.97%102.06%-1,108 bps
Liquid Assets / Assets2.17%2.06%4.79%2.68%2.39%+22 bps
CRE / Total Capitaln/an/an/an/an/an/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

Homestreet Bank

Seattle, WA · Cert 32489 · Peer group: banks $1B-$10B in assets operating regionally (n=184)

FDIC · 59 branches

Q2 2025

$7.6BAssets
$6.0BLoans
$5.9BDeposits
$615.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 88% of banks $1B-$10B in assets operating regionally (rank 23 of 184).
  • Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating regionally (rank 181 of 184).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.05%

Rank 180 of 184

Net Interest Margin

1.86%

Rank 181 of 184

Efficiency Ratio

91.87%

Rank 178 of 184

Equity / Assets

8.10%

Rank 157 of 184

Non-interest income vs. expense

$53.1M$182.2MINCOMEEXPENSE
Unfavorable gap of $129.1M · efficiency ratio beats 4% of banks $1B-$10B in assets operating regionally
Bank 91.87%Peer median 60.9%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.05%0.84%1.11%1.39%Beats 2%180 / 184
Return on Equity0.56%7.80%11.07%14.17%Beats 2%180 / 184
Net Interest Margin1.86%2.97%3.36%3.72%Beats 2%181 / 184
Efficiency Ratio91.87%55.11%60.92%69.60%Beats 4%178 / 184
Asset Quality
Nonperforming Loans / Loans1.13%0.29%0.56%0.99%Beats 19%150 / 184
Net Charge-Offs / Loans0.00%0.01%0.03%0.09%Beats 88%23 / 184
Capital
Tier 1 Capital Ratio12.76%11.20%12.29%13.88%Beats 58%78 / 184
Total Risk-Based Capital Ratio13.66%12.04%13.38%14.88%Beats 57%80 / 184
Equity / Assets8.10%8.81%10.14%11.73%Beats 15%157 / 184
Liquidity & Funding
Loans / Deposits102.06%81.10%89.51%95.77%89th pctl20 / 184
Loans / Assets78.77%69.04%75.29%80.57%66th pctl63 / 184
Brokered Deposits / Depositsn/aNot reported for this institution