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American Metro Bank

Chicago, IL · Cert 34334 · American Metro Bcorp Inc.

State charter, non-member · FDIC · 2 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 Chicago-Naperville-Elgin, IL-IN 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 Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

47

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

American Metro Bank

Chicago, IL · Cert 34334 · American Metro Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$119.1MAssets
$96.5MLoans
$88.0MDeposits
$16.4MEquity
Loan mix
100%RE $95.4M0%C&I $0.2M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $70.8M20%Noninterest $17.2MQ2 2025Q2 2026

NIM

6.08%Q2 ’246.12%Q2 ’256.23%Q2 ’26-1%+7%

Non-interest income vs. expense

3.28%Q2 ’243.05%Q2 ’253.08%Q2 ’26-6%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #121 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 1.07%, up 17 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 13.10%, up 42 bps from a year ago.
  • Funding: loans stand at 109.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+29 bps YoY

Efficiency Ratio (YTD, annualized)

71.61%-413 bps YoY

Tier 1 Leverage Ratio

13.10%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.92%0.93%1.04%1.07%+17 bps
Return on Equity6.52%6.72%6.81%7.80%7.91%+139 bps
Net Interest Margin3.94%3.91%3.84%4.03%4.23%+29 bps
Efficiency Ratio75.74%74.85%74.35%72.09%71.61%-413 bps
Non-Interest Burden2.88%2.83%2.76%2.81%2.93%+5 bps
Growth
Asset Growth (YoY)19.79%9.50%13.35%7.75%7.25%-1,253 bps
Loan Growth (YoY)17.47%10.62%9.88%7.16%6.30%-1,117 bps
Deposit Growth (YoY)16.90%10.08%11.94%3.27%0.50%-1,640 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.04%-0.03%-0.02%-0.03%+1 bps
Allowance / Loans1.25%1.22%1.20%1.23%1.27%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.68%12.61%12.31%12.40%13.10%+42 bps
Total Risk-Based Capital17.20%17.22%17.13%17.51%13.10%-410 bps
Equity / Assets13.75%13.69%13.08%13.60%13.75%0 bps
Liquidity & Funding
Loans / Deposits103.70%106.53%105.96%106.51%109.69%+599 bps
Liquid Assets / Assets14.59%13.06%15.51%14.51%15.63%+104 bps
CRE / Total Capitaln/a446%444%435%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

American Metro Bank

Chicago, IL · Cert 34334 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · American Metro Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$119.1MAssets
$96.5MLoans
$88.0MDeposits
$16.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: total risk-based capital ratio trails 72% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 41 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.07%

Rank 24 of 57

Net Interest Margin

4.23%

Rank 9 of 57

Efficiency Ratio

71.61%

Rank 31 of 57

Equity / Assets

13.75%

Rank 21 of 57

Non-interest income vs. expense

$0.2M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 47% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 71.61%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.51%0.84%1.19%Beats 58%24 / 57
Return on Equity7.76%3.13%7.76%11.40%Beats 49%29 / 57
Net Interest Margin4.23%3.16%3.63%4.08%Beats 84%9 / 57
Efficiency Ratio71.61%59.57%69.70%81.06%Beats 47%31 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 45%32 / 56
Capital
Tier 1 Capital Ratio13.10%12.24%16.06%19.69%Beats 32%39 / 57
Total Risk-Based Capital Ratio13.10%12.54%16.50%20.95%Beats 28%41 / 57
Equity / Assets13.75%9.37%11.56%15.00%Beats 63%21 / 57
Liquidity & Funding
Loans / Deposits109.69%66.29%85.59%95.16%88th pctl7 / 57
Loans / Assets81.03%57.07%71.07%78.13%81st pctl11 / 57
Brokered Deposits / Depositsn/aNot reported for this institution