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BTG Pactual Bank, National Association

New York, NY · Cert 35154 · BTG Pactual G7 Holding Sa

National charter · OCC · 1 branch

Q2 2026

$978.3MAssets
$446.9MLoans
$460.4MDeposits
$458.3MEquity
Loan mix
74%RE $257.3M20%C&I $69.2M6%Consumer $20.8MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $408.7M11%Noninterest $51.7MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.30%Q2 ’254.59%Q2 ’26-1%+14%

Non-interest income vs. expense

2.23%Q2 ’242.35%Q2 ’252.52%Q2 ’26+5%+11%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #101 of 151 inst. · $0.5B of $2921.1B

Executive Summary

  • Earnings: ROA of -0.13%, down 35 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.18% of loans (-7 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 48.10%, up 3,670 bps from a year ago.
  • Funding: loans stand at 97.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.13%-35 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+36 bps YoY

Efficiency Ratio (YTD, annualized)

83.50%-294 bps YoY

Tier 1 Leverage Ratio

48.10%+3,670 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.29%0.29%-0.06%-0.13%-35 bps
Return on Equity1.86%2.46%1.11%-0.12%-0.26%-212 bps
Net Interest Margin2.63%2.69%2.59%2.92%2.99%+36 bps
Efficiency Ratio86.44%84.07%81.65%80.71%83.50%-294 bps
Non-Interest Burden2.25%2.24%2.09%2.35%2.49%+24 bps
Growth
Asset Growth (YoY)1.21%-2.18%118.76%121.91%144.88%+14,367 bps
Loan Growth (YoY)-0.30%6.06%5.81%31.18%67.05%+6,734 bps
Deposit Growth (YoY)0.15%-4.74%21.75%26.61%57.10%+5,696 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.23%0.23%0.19%0.18%-7 bps
Net Charge-Offs / Loans0.06%0.04%0.03%-0.02%0.28%+22 bps
Allowance / Loans1.03%0.97%1.01%1.15%1.00%-3 bps
Allowance Coverage of NPLs4.1x4.2x4.4x6.1x5.7x+1.6x
Capital
Tier 1 Leverage Ratio11.40%11.64%106.59%51.20%48.10%+3,670 bps
Total Risk-Based Capital21.43%20.37%198.52%156.25%112.79%+9,135 bps
Equity / Assets11.99%12.26%51.71%51.41%46.84%+3,485 bps
Liquidity & Funding
Loans / Deposits91.30%99.85%77.05%91.97%97.08%+578 bps
Liquid Assets / Assets10.77%5.67%57.91%51.90%44.00%+3,323 bps
CRE / Total Capitaln/a338%33.17%34.02%n/an/a