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Lusitania Savings Bank

Newark, NJ · Cert 34058 · Lusitania Financial MHC

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

74

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 2026-10-10

Lusitania Savings Bank

Newark, NJ · Cert 34058 · Lusitania Financial MHC

SI · FDIC · 4 branches

Q2 2026

$418.1MAssets
$228.7MLoans
$353.5MDeposits
$60.0MEquity
Loan mix
99%RE $224.6M0%C&I $0.1M0%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $296.1M16%Noninterest $57.4MQ2 2025Q2 2026

NIM

3.12%Q2 ’243.41%Q2 ’253.73%Q2 ’26+13%+12%

Non-interest income vs. expense

1.65%Q2 ’241.67%Q2 ’251.76%Q2 ’26+2%+5%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #107 of 151 inst. · $0.4B of $2921.1B

0.8% Essex
0.3% Union
0.1% Hudson

Executive Summary

  • Earnings: ROA of 0.48%, up 12 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.19% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.97%, down 34 bps from a year ago.
  • Funding: loans stand at 64.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+25 bps YoY

Efficiency Ratio (YTD, annualized)

72.59%-468 bps YoY

Tier 1 Leverage Ratio

14.97%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.42%0.37%0.48%0.48%+12 bps
Return on Equity2.39%2.81%2.49%3.27%3.29%+90 bps
Net Interest Margin2.01%2.11%2.11%2.25%2.25%+25 bps
Efficiency Ratio77.26%74.30%77.40%72.42%72.59%-468 bps
Non-Interest Burden1.53%1.54%1.61%1.60%1.60%+7 bps
Growth
Asset Growth (YoY)1.38%2.51%5.81%5.37%6.04%+466 bps
Loan Growth (YoY)1.60%0.67%-1.23%-0.99%1.53%-7 bps
Deposit Growth (YoY)5.55%3.99%5.96%5.69%6.70%+115 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.19%0.19%0.19%0.19%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.15%1.11%1.17%1.18%1.16%+1 bps
Allowance Coverage of NPLs6.6x5.8x6.2x6.2x6.3x-0.3x
Capital
Tier 1 Leverage Ratio15.30%15.39%15.22%15.05%14.97%-34 bps
Total Risk-Based Capital33.91%35.12%36.39%36.39%35.99%+207 bps
Equity / Assets14.70%14.91%14.67%14.50%14.36%-34 bps
Liquidity & Funding
Loans / Deposits67.99%69.39%66.34%65.02%64.70%-329 bps
Liquid Assets / Assets31.31%30.03%32.85%33.86%33.26%+195 bps
CRE / Total Capitaln/a36.20%35.38%34.09%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 2026-10-10

Lusitania Savings Bank

Newark, NJ · Cert 34058 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Lusitania Financial MHC

SI · FDIC · 4 branches

Q2 2026

$418.1MAssets
$228.7MLoans
$353.5MDeposits
$60.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: net interest margin trails 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

0.47%

Rank 12 of 31

Net Interest Margin

2.25%

Rank 28 of 31

Efficiency Ratio

72.59%

Rank 9 of 31

Equity / Assets

14.36%

Rank 12 of 31

Non-interest income vs. expense

$0.7M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 74% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 72.59%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.47%-0.02%0.39%0.84%Beats 61%12 / 31
Return on Equity3.26%-0.19%2.57%5.72%Beats 55%14 / 31
Net Interest Margin2.25%2.51%3.30%3.85%Beats 10%28 / 31
Efficiency Ratio72.59%68.41%83.66%91.76%Beats 74%9 / 31
Asset Quality
Nonperforming Loans / Loans0.19%0.18%0.47%2.65%Beats 70%10 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio34.73%13.24%15.54%26.77%Beats 84%5 / 31
Total Risk-Based Capital Ratio35.99%14.07%16.32%26.77%Beats 84%5 / 31
Equity / Assets14.36%10.38%13.26%17.83%Beats 61%12 / 31
Liquidity & Funding
Loans / Deposits64.70%84.03%94.98%103.65%13th pctl27 / 31
Loans / Assets54.71%61.61%75.31%83.78%13th pctl27 / 31
Brokered Deposits / Depositsn/aNot reported for this institution