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Desjardins Bank, National Association

Hallandale, FL · Cert 33565 · Desjardins Group the

National charter · OCC · 2 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

51

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

Desjardins Bank, National Association

Hallandale, FL · Cert 33565 · Desjardins Group the

National charter · OCC · 2 branches

Q2 2026

$362.1MAssets
$270.4MLoans
$292.9MDeposits
$67.4MEquity
Loan mix
97%RE $258.6M1%C&I $3.7M1%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
25%Interest-bearing $72.6M75%Noninterest $220.3MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.06%Q2 ’254.90%Q2 ’26+2%+2%

Non-interest income vs. expense

2.77%Q2 ’243.21%Q2 ’253.51%Q2 ’26+26%+18%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #53 of 86 inst. · $0.3B of $348.8B

Executive Summary

  • Earnings: ROA of 1.25%, down 24 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.31% of loans (+26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.31%, up 56 bps from a year ago.
  • Funding: loans stand at 92.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+10 bps YoY

Efficiency Ratio (YTD, annualized)

67.43%+598 bps YoY

Tier 1 Leverage Ratio

19.31%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.49%1.27%1.38%1.25%-24 bps
Return on Equity8.16%8.08%6.86%7.29%6.61%-154 bps
Net Interest Margin4.31%4.43%4.44%4.57%4.41%+10 bps
Efficiency Ratio61.45%62.57%67.46%64.88%67.43%+598 bps
Non-Interest Burden2.30%2.45%2.72%2.65%2.72%+42 bps
Growth
Asset Growth (YoY)2.24%-2.03%-0.25%1.51%8.00%+576 bps
Loan Growth (YoY)0.95%-1.04%0.53%-1.81%1.66%+72 bps
Deposit Growth (YoY)4.59%-0.98%3.29%10.85%15.01%+1,041 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.01%0.70%0.05%0.31%+26 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.04%1.05%1.04%1.07%1.05%+1 bps
Allowance Coverage of NPLs23.5x84.0x1.5x23.2x3.4x-20.1x
Capital
Tier 1 Leverage Ratio18.75%19.42%19.50%19.82%19.31%+56 bps
Total Risk-Based Capital18.75%19.42%19.50%19.82%19.31%+56 bps
Equity / Assets18.92%19.35%18.47%19.50%18.62%-30 bps
Liquidity & Funding
Loans / Deposits104.43%102.83%95.06%97.48%92.32%-1,212 bps
Liquid Assets / Assets19.25%19.34%21.70%20.73%24.17%+492 bps
CRE / Total Capitaln/a5.59%5.45%5.25%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

Desjardins Bank, National Association

Hallandale, FL · Cert 33565 · Peer group: banks under $1B in assets (n=581-629) · Desjardins Group the

National charter · OCC · 2 branches

Q2 2026

$362.1MAssets
$270.4MLoans
$292.9MDeposits
$67.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 70% of banks under $1B in assets (rank 440 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.21%

Rank 233 of 629

Net Interest Margin

4.41%

Rank 81 of 629

Efficiency Ratio

67.43%

Rank 311 of 629

Equity / Assets

18.62%

Rank 89 of 629

Non-interest income vs. expense

$2.8M$12.2MINCOMEEXPENSE
Unfavorable gap of $9.5M · efficiency ratio beats 51% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.60%1.01%1.45%Beats 63%233 / 629
Return on Equity6.51%5.38%9.30%13.28%Beats 30%440 / 629
Net Interest Margin4.41%3.03%3.54%4.05%Beats 87%81 / 629
Efficiency Ratio67.43%58.35%67.79%79.08%Beats 51%311 / 629
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.46%1.20%Beats 58%247 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio19.31%11.24%13.84%18.77%Beats 76%149 / 629
Total Risk-Based Capital Ratio19.31%11.58%14.43%19.66%Beats 74%161 / 629
Equity / Assets18.62%9.09%10.65%13.80%Beats 86%89 / 629
Liquidity & Funding
Loans / Deposits92.32%67.24%80.90%93.48%73rd pctl159 / 594
Loans / Assets74.68%53.31%67.71%78.15%65th pctl219 / 629
Brokered Deposits / Depositsn/aNot reported for this institution