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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