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Crown Bank

Elizabeth, NJ · Cert 34259

State charter, non-member · FDIC · 13 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

54

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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

Crown Bank

Elizabeth, NJ · Cert 34259

State charter, non-member · FDIC · 13 branches

Q2 2026

$614.3MAssets
$524.4MLoans
$428.3MDeposits
$164.1MEquity
Loan mix
97%RE $495.3M3%C&I $12.7M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $310.3M28%Noninterest $118.0MQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #103 of 151 inst. · $0.4B of $2921.1B

0.7% Union
0.4% Essex
0.2% Hudson
0.1% Ocean

Executive Summary

  • Earnings: ROA of 2.02%, down 85 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 5.77% of loans (-290 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.11%, up 202 bps from a year ago.
  • Funding: loans stand at 122.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.02%-85 bps YoY

Net Interest Margin (YTD, annualized)

4.52%-37 bps YoY

Efficiency Ratio (YTD, annualized)

44.89%+889 bps YoY

Tier 1 Leverage Ratio

26.11%+202 bps YoY

NIM

5.97%Q2 ’246.74%Q2 ’256.12%Q2 ’26+20%-8%

Non-interest income vs. expense

1.99%Q2 ’242.03%Q2 ’252.21%Q2 ’26-7%+42%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.42%2.96%2.87%2.99%2.95%1.87%2.02%-85 bps
Return on Equity9.17%10.25%12.39%12.00%12.30%12.01%7.29%7.77%-423 bps
Net Interest Margin4.30%4.37%4.82%4.90%5.23%5.02%4.35%4.52%-37 bps
Efficiency Ratio41.83%41.21%36.35%36.00%35.27%36.73%47.12%44.89%+889 bps
Non-Interest Burden1.46%1.41%1.12%1.27%1.42%1.28%1.87%1.80%+53 bps
Growth
Asset Growth (YoY)10.41%5.77%6.48%4.39%4.05%-0.51%-2.72%-6.93%-1,132 bps
Loan Growth (YoY)9.70%2.32%-1.00%-1.44%-2.65%-3.51%-2.54%0.55%+199 bps
Deposit Growth (YoY)8.36%7.60%21.80%17.43%9.11%-0.47%-5.35%-10.45%-2,788 bps
Asset Quality
Nonperforming Loans / Loans10.18%9.07%9.13%8.67%8.04%8.14%6.06%5.77%-290 bps
Net Charge-Offs / Loans-0.03%-0.13%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.77%0.78%0.78%0.82%0.81%0.87%0.88%+10 bps
Allowance Coverage of NPLs0.1x0.1x0.1x0.1x0.1x0.1x0.1x0.2x+0.1x
Capital
Tier 1 Leverage Ratio24.04%24.66%23.76%24.09%24.86%25.07%25.26%26.11%+202 bps
Total Risk-Based Capital24.04%24.66%23.76%24.09%24.86%25.07%25.26%26.11%+202 bps
Equity / Assets24.15%24.15%23.57%24.05%25.32%25.95%25.31%26.71%+266 bps
Liquidity & Funding
Loans / Deposits126.38%119.34%107.26%109.04%112.76%115.70%110.45%122.44%+1,339 bps
Liquid Assets / Assets5.28%6.61%11.58%12.25%9.99%9.56%11.73%4.36%-789 bps
CRE / Total Capitaln/an/an/an/a302%300%298%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

Crown Bank

Elizabeth, NJ · Cert 34259 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

State charter, non-member · FDIC · 13 branches

Q2 2026

$614.3MAssets
$524.4MLoans
$428.3MDeposits
$164.1MEquity

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: nonperforming loans / loans trails 93% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 29 of 30).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.07%

Rank 2 of 31

Net Interest Margin

4.52%

Rank 1 of 31

Efficiency Ratio

44.89%

Rank 2 of 31

Equity / Assets

26.71%

Rank 4 of 31

Non-interest income vs. expense

$2.6M$13.8MINCOMEEXPENSE
Unfavorable gap of $11.2M · efficiency ratio beats 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 44.89%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.07%-0.02%0.39%0.84%Beats 94%2 / 31
Return on Equity7.74%-0.19%2.57%5.72%Beats 77%7 / 31
Net Interest Margin4.52%2.51%3.30%3.85%Beats 97%1 / 31
Efficiency Ratio44.89%68.41%83.66%91.76%Beats 97%2 / 31
Asset Quality
Nonperforming Loans / Loans5.77%0.18%0.47%2.65%Beats 7%29 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio26.11%13.24%15.54%26.77%Beats 71%9 / 31
Total Risk-Based Capital Ratio26.11%14.07%16.32%26.77%Beats 71%9 / 31
Equity / Assets26.71%10.38%13.26%17.83%Beats 87%4 / 31
Liquidity & Funding
Loans / Deposits122.44%84.03%94.98%103.65%94th pctl2 / 31
Loans / Assets85.36%61.61%75.31%83.78%87th pctl4 / 31
Brokered Deposits / Depositsn/aNot reported for this institution