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Massmutual Private Wealth & Trust, FSB

Windsor, CT · Cert 35394

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=594 to 629). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

16

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

Massmutual Private Wealth & Trust, FSB

Windsor, CT · Cert 35394

State savings bank · OCC · 1 branch

Q2 2026

$93.7MAssets
$0KLoans
$50.5MDeposits
$28.2MEquity
Deposit mix
100%Interest-bearing $50.5M0%Noninterest $0.0MQ3 2024Q2 2026

Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 0.1% share · #25 of 27 inst. · $0.1B of $58.8B

Executive Summary

  • Earnings: ROA of 6.00%, down 52 bps year over year; NIM at 1.35%.
  • Capital: tier 1 leverage ratio of 32.24%, down 401 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

6.00%-52 bps YoY

Net Interest Margin (YTD, annualized)

1.35%-21 bps YoY

Efficiency Ratio (YTD, annualized)

87.50%+78 bps YoY

Tier 1 Leverage Ratio

32.24%-401 bps YoY

NIM

3.27%Q2 ’243.74%Q2 ’253.49%Q2 ’26-13%-14%

Non-interest income vs. expense

52.69%Q2 ’2457.36%Q2 ’2558.17%Q2 ’26-59%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets6.80%6.86%7.67%6.53%7.50%6.57%5.97%6.00%-52 bps
Return on Equity22.90%22.96%24.29%20.43%24.00%21.44%20.84%20.59%+17 bps
Net Interest Margin1.87%1.90%1.75%1.57%1.68%1.74%1.31%1.35%-21 bps
Efficiency Ratio85.75%85.88%84.47%86.72%85.32%86.56%87.59%87.50%+78 bps
Non-Interest Burden-6.93%-7.23%-8.48%-7.22%-8.64%-7.66%-7.12%-6.96%+26 bps
Growth
Asset Growth (YoY)0.28%-1.13%2.30%3.36%-2.34%4.11%2.96%0.05%-331 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio30.78%33.49%34.47%36.25%30.59%30.97%31.52%32.24%-401 bps
Total Risk-Based Capital49.68%52.96%56.37%59.35%49.42%50.57%57.18%58.94%-42 bps
Equity / Assets29.91%30.61%32.52%32.65%29.11%28.16%29.12%30.14%-251 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets16.61%0.96%0.42%1.01%3.55%4.00%8.65%7.47%+646 bps
CRE / Total Capitaln/an/an/an/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

Massmutual Private Wealth & Trust, FSB

Windsor, CT · Cert 35394 · Peer group: banks under $1B in assets (n=594-629)

State savings bank · OCC · 1 branch

Q2 2026

$93.7MAssets
$0KLoans
$50.5MDeposits
$28.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets (rank 30 of 629).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets (rank 616 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

5.93%

Rank 30 of 629

Net Interest Margin

1.35%

Rank 616 of 629

Efficiency Ratio

87.50%

Rank 530 of 629

Equity / Assets

30.14%

Rank 56 of 629

Non-interest income vs. expense

$59.7M$53.3MINCOMEEXPENSE
Favorable gap of $6.4M · efficiency ratio beats 16% of banks under $1B in assets
Bank 87.50%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets5.93%0.60%1.01%1.45%Beats 95%30 / 629
Return on Equity19.66%5.38%9.30%13.28%Beats 93%44 / 629
Net Interest Margin1.35%3.03%3.54%4.05%Beats 2%616 / 629
Efficiency Ratio87.50%58.35%67.79%79.08%Beats 16%530 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio58.94%11.24%13.84%18.77%Beats 92%51 / 629
Total Risk-Based Capital Ratio58.94%11.58%14.43%19.66%Beats 92%51 / 629
Equity / Assets30.14%9.09%10.65%13.80%Beats 91%56 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution