PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.48%Q2 ’245.25%Q2 ’254.94%Q2 ’26-5%+25%

Non-interest income vs. expense

2.26%Q2 ’242.29%Q2 ’252.80%Q2 ’26+2%+27%

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 -0.19%, down 44 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.18% of loans (-7 bps YoY), with net charge-offs at 0.58%.
  • 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 (quarter, annualized)

-0.19%-44 bps YoY

Net Interest Margin (quarter, annualized)

3.24%+65 bps YoY

Efficiency Ratio (quarter, annualized)

85.86%+35 bps YoY

Tier 1 Leverage Ratio

48.10%+3,670 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.44%0.35%-0.06%-0.19%-44 bps
Return on Equity2.07%3.65%0.88%-0.12%-0.39%-246 bps
Net Interest Margin2.59%2.76%2.88%2.92%3.24%+65 bps
Efficiency Ratio85.51%79.45%75.33%80.71%85.86%+35 bps
Non-Interest Burden2.19%2.16%2.13%2.35%2.78%+59 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 / Loans0.11%-0.01%-0.01%-0.02%0.58%+48 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