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Eaglemark Savings Bank

Reno, NV · Cert 34313

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

98

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

Eaglemark Savings Bank

Reno, NV · Cert 34313

State charter, non-member · FDIC · 1 branch

Q2 2026

$755.7MAssets
$684.1MLoans
$519.4MDeposits
$175.0MEquity
Loan mix
0%RE $0.0M0%C&I $0.0M100%Consumer $655.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $519.0M0%Noninterest $0.4MQ2 2025Q2 2026

NIM

8.37%Q2 ’248.93%Q2 ’259.12%Q2 ’26+3%+6%

Non-interest income vs. expense

2.73%Q2 ’242.62%Q2 ’252.59%Q2 ’26+1%-11%

Market Position · Reno, NV · 2026 SOD (annual) · 3.4% share · #8 of 17 inst. · $0.5B of $15.5B

Executive Summary

  • Earnings: ROA of 4.54%, up 31 bps year over year; NIM at 6.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.68%, up 415 bps from a year ago.
  • Funding: loans stand at 131.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.54%+31 bps YoY

Net Interest Margin (YTD, annualized)

6.45%+35 bps YoY

Efficiency Ratio (YTD, annualized)

30.16%-177 bps YoY

Tier 1 Leverage Ratio

23.68%+415 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.23%4.32%4.36%4.48%4.54%+31 bps
Return on Equity22.99%23.06%22.63%20.19%20.19%-280 bps
Net Interest Margin6.10%6.08%6.22%6.33%6.45%+35 bps
Efficiency Ratio31.93%31.08%30.91%29.74%30.16%-177 bps
Non-Interest Burden0.52%0.50%0.50%0.44%0.46%-6 bps
Growth
Asset Growth (YoY)10.64%6.50%2.92%0.51%2.35%-828 bps
Loan Growth (YoY)10.50%5.74%3.28%0.36%0.85%-965 bps
Deposit Growth (YoY)6.70%1.19%-2.52%-6.91%-3.95%-1,065 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.02%0.02%0.02%0.02%0.02%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.54%20.02%21.34%22.72%23.68%+415 bps
Total Risk-Based Capital20.34%21.09%22.89%24.69%24.86%+452 bps
Equity / Assets19.16%19.67%21.27%23.10%23.16%+400 bps
Liquidity & Funding
Loans / Deposits125.44%123.62%124.09%136.31%131.71%+627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Eaglemark Savings Bank

Reno, NV · Cert 34313 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$755.7MAssets
$684.1MLoans
$519.4MDeposits
$175.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 10% of banks under $1B in assets operating in a single state (rank 76 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

4.45%

Rank 7 of 746

Net Interest Margin

6.45%

Rank 4 of 746

Efficiency Ratio

30.16%

Rank 5 of 746

Equity / Assets

23.16%

Rank 22 of 746

Non-interest income vs. expense

$15.7M$19.1MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 99% of banks under $1B in assets operating in a single state
Bank 30.16%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets4.45%0.72%1.06%1.45%Beats 99%7 / 746
Return on Equity19.21%6.74%10.51%13.63%Beats 95%35 / 746
Net Interest Margin6.45%3.17%3.68%4.16%Beats 99%4 / 746
Efficiency Ratio30.16%55.74%64.58%75.47%Beats 99%5 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio24.83%11.55%13.75%17.60%Beats 91%66 / 746
Total Risk-Based Capital Ratio24.86%11.71%14.33%18.43%Beats 90%76 / 746
Equity / Assets23.16%8.90%10.51%13.06%Beats 97%22 / 746
Liquidity & Funding
Loans / Deposits131.71%61.31%78.27%90.78%99th pctl8 / 746
Loans / Assets90.53%53.60%66.97%76.08%99th pctl7 / 746
Brokered Deposits / Depositsn/aNot reported for this institution