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B2 Bank National Association

Holladay, UT · Cert 5105 · B2 Bcorp Inc.

National charter · OCC · 3 branches

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=581 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

5

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

B2 Bank National Association

Holladay, UT · Cert 5105 · B2 Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$114.6MAssets
$38.6MLoans
$103.8MDeposits
$10.6MEquity
Loan mix
73%RE $25.1M9%C&I $3.2M18%Consumer $6.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $93.8M10%Noninterest $10.0MQ2 2025Q2 2026

NIM

5.74%Q2 ’246.26%Q2 ’255.01%Q2 ’26+18%-21%

Non-interest income vs. expense

9.65%Q2 ’2412.32%Q2 ’2512.54%Q2 ’26+104%+1%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #45 of 57 inst. · $0.1B of $1175.7B

0.0% Salt Lake
0.6% St. Louis

Executive Summary

  • Earnings: ROA of -1.47%, down 62 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 2.07% of loans (+191 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.66%, down 63 bps from a year ago.
  • Funding: loans stand at 37.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.47%-62 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-101 bps YoY

Efficiency Ratio (YTD, annualized)

122.73%+1,162 bps YoY

Tier 1 Leverage Ratio

13.66%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.85%-0.56%-0.63%-1.68%-1.47%-62 bps
Return on Equity-6.03%-3.83%-4.27%-10.15%-11.15%-512 bps
Net Interest Margin4.82%4.99%5.10%4.17%3.80%-101 bps
Efficiency Ratio111.12%107.20%107.10%121.44%122.73%+1,162 bps
Non-Interest Burden6.00%5.77%5.92%6.56%6.07%+7 bps
Growth
Asset Growth (YoY)-16.26%-19.51%-13.19%-25.55%59.13%+7,539 bps
Loan Growth (YoY)18.15%1.44%2.01%-5.56%8.80%-935 bps
Deposit Growth (YoY)-17.82%-20.52%-15.38%-28.77%71.63%+8,945 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.60%1.32%1.65%2.07%+191 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.91%0.93%0.91%0.94%0.92%+1 bps
Allowance Coverage of NPLs5.6x1.6x0.7x0.6x0.4x-5.1x
Capital
Tier 1 Leverage Ratio14.29%15.27%15.97%15.60%13.66%-63 bps
Total Risk-Based Capital14.29%15.27%15.97%15.60%13.66%-63 bps
Equity / Assets15.63%16.30%15.64%17.64%9.26%-637 bps
Liquidity & Funding
Loans / Deposits58.70%59.97%58.21%67.64%37.21%-2,149 bps
Liquid Assets / Assets10.42%10.84%10.19%10.45%49.14%+3,872 bps
CRE / Total Capitaln/a67.54%68.32%70.76%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

B2 Bank National Association

Holladay, UT · Cert 5105 · Peer group: banks under $1B in assets (n=581-629) · B2 Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$114.6MAssets
$38.6MLoans
$103.8MDeposits
$10.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 97% of banks under $1B in assets (rank 611 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-1.06%

Rank 599 of 629

Net Interest Margin

3.80%

Rank 231 of 629

Efficiency Ratio

122.73%

Rank 601 of 629

Equity / Assets

9.26%

Rank 450 of 629

Non-interest income vs. expense

$4.6M$8.9MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 5% of banks under $1B in assets
Bank 122.73%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.06%0.60%1.01%1.45%Beats 5%599 / 629
Return on Equity-11.47%5.38%9.30%13.28%Beats 3%611 / 629
Net Interest Margin3.80%3.03%3.54%4.05%Beats 63%231 / 629
Efficiency Ratio122.73%58.35%67.79%79.08%Beats 5%601 / 629
Asset Quality
Nonperforming Loans / Loans2.07%0.09%0.46%1.20%Beats 12%510 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.66%11.24%13.84%18.77%Beats 49%321 / 629
Total Risk-Based Capital Ratio13.66%11.58%14.43%19.66%Beats 44%351 / 629
Equity / Assets9.26%9.09%10.65%13.80%Beats 28%450 / 629
Liquidity & Funding
Loans / Deposits37.21%67.24%80.90%93.48%5th pctl562 / 594
Loans / Assets33.71%53.31%67.71%78.15%12th pctl551 / 629
Brokered Deposits / Depositsn/aNot reported for this institution