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Shinhan Bank America

New York, NY · Cert 33188 · Shinhan Financial Group Co. Ltd.

State charter, non-member · FDIC · 14 branches

Q2 2026

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 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 $1B-$10B in assets operating regionally (n=176). 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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

14

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

Shinhan Bank America

New York, NY · Cert 33188 · Shinhan Financial Group Co. Ltd.

State charter, non-member · FDIC · 14 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.9BDeposits
$259.7MEquity
Loan mix
81%RE $1.4B19%C&I $0.3B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $1.2B39%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.16%Q2 ’244.82%Q2 ’255.01%Q2 ’26-1%+13%

Non-interest income vs. expense

3.26%Q2 ’243.05%Q2 ’252.76%Q2 ’26-6%-10%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #87 of 151 inst. · $0.7B of $2921.1B

1.8% Gwinnett
0.0% New York
0.1% Dallas
0.3% Bergen

Executive Summary

  • Earnings: ROA of 0.61%, up 42 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.57% of loans (+9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.47%, down 31 bps from a year ago.
  • Funding: loans stand at 94.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+40 bps YoY

Efficiency Ratio (YTD, annualized)

74.39%-1,606 bps YoY

Tier 1 Leverage Ratio

12.47%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.35%0.42%0.58%0.61%+42 bps
Return on Equity1.70%2.97%3.43%4.43%4.87%+318 bps
Net Interest Margin3.17%3.23%3.33%3.62%3.56%+40 bps
Efficiency Ratio90.45%84.42%81.61%77.13%74.39%-1,606 bps
Non-Interest Burden2.89%2.72%2.70%2.74%2.60%-29 bps
Growth
Asset Growth (YoY)15.87%9.24%8.99%8.33%14.80%-107 bps
Loan Growth (YoY)8.46%9.79%12.16%12.10%14.81%+636 bps
Deposit Growth (YoY)15.21%6.65%6.10%5.47%18.76%+356 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.46%0.44%0.55%0.57%+9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.02%-0.01%-1 bps
Allowance / Loans0.71%0.72%0.75%0.73%0.74%+2 bps
Allowance Coverage of NPLs1.5x1.6x1.7x1.3x1.3x-0.2x
Capital
Tier 1 Leverage Ratio12.78%12.33%12.53%12.73%12.47%-31 bps
Total Risk-Based Capital19.06%18.89%18.69%18.70%18.46%-59 bps
Equity / Assets12.67%13.17%13.38%13.00%11.62%-105 bps
Liquidity & Funding
Loans / Deposits97.35%101.18%104.71%104.51%94.11%-324 bps
Liquid Assets / Assets12.03%7.63%6.29%6.05%13.58%+155 bps
CRE / Total Capitaln/a384%401%398%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

Shinhan Bank America

New York, NY · Cert 33188 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Shinhan Financial Group Co. Ltd.

State charter, non-member · FDIC · 14 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.9BDeposits
$259.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: return on equity trails 95% of banks $1B-$10B in assets operating regionally (rank 167 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.56%

Rank 162 of 176

Net Interest Margin

3.56%

Rank 91 of 176

Efficiency Ratio

74.48%

Rank 153 of 176

Equity / Assets

11.62%

Rank 47 of 176

Non-interest income vs. expense

$3.3M$56.9MINCOMEEXPENSE
Unfavorable gap of $53.6M · efficiency ratio beats 14% of banks $1B-$10B in assets operating regionally
Bank 74.48%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.93%1.26%1.54%Beats 8%162 / 176
Return on Equity4.82%9.26%11.89%14.46%Beats 5%167 / 176
Net Interest Margin3.56%3.25%3.59%3.93%Beats 48%91 / 176
Efficiency Ratio74.48%52.79%59.55%67.66%Beats 14%153 / 176
Asset Quality
Nonperforming Loans / Loans0.57%0.30%0.64%1.32%Beats 56%79 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176
Capital
Tier 1 Capital Ratio17.53%11.15%12.72%14.15%Beats 94%11 / 176
Total Risk-Based Capital Ratio18.46%11.81%13.63%15.33%Beats 93%12 / 176
Equity / Assets11.62%9.16%10.35%11.80%Beats 73%47 / 176
Liquidity & Funding
Loans / Deposits94.11%80.94%89.73%97.21%66th pctl59 / 176
Loans / Assets80.85%69.25%75.12%80.82%76th pctl43 / 176
Brokered Deposits / Depositsn/aNot reported for this institution