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Leader Bank, National Association

Arlington, MA · Cert 57134 · Leader Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

63

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

Leader Bank, National Association

Arlington, MA · Cert 57134 · Leader Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$5.3BAssets
$4.4BLoans
$4.3BDeposits
$556.5MEquity
Loan mix
99%RE $3.6B1%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $3.6B15%Noninterest $0.6BQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.7% share · #15 of 100 inst. · $4.3B of $580.3B

4.9% Middlesex
0.0% Suffolk

Executive Summary

  • Earnings: ROA of 0.84%, up 17 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.03% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.58%, up 69 bps from a year ago.
  • Funding: loans stand at 102.87% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+46 bps YoY

Efficiency Ratio (YTD, annualized)

63.41%-10 bps YoY

Tier 1 Leverage Ratio

11.58%+69 bps YoY

NIM

4.77%Q2 ’244.64%Q2 ’254.83%Q2 ’26+17%+23%

Non-interest income vs. expense

1.63%Q2 ’241.73%Q2 ’252.14%Q2 ’26+4%+22%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.53%0.55%0.67%0.74%0.75%0.70%0.84%+17 bps
Return on Equity4.95%4.98%5.19%6.37%7.04%7.11%6.53%7.84%+147 bps
Net Interest Margin1.83%1.84%2.03%2.03%2.11%2.16%2.36%2.49%+46 bps
Efficiency Ratio67.44%67.81%67.18%63.51%60.44%61.53%67.93%63.41%-10 bps
Non-Interest Burden1.01%1.04%1.15%1.03%0.91%0.98%1.33%1.25%+22 bps
Growth
Asset Growth (YoY)6.60%3.66%7.01%10.81%10.92%9.47%3.53%3.37%-744 bps
Loan Growth (YoY)10.56%10.39%10.09%7.99%9.54%9.28%8.03%10.24%+225 bps
Deposit Growth (YoY)4.42%0.57%7.59%12.63%13.61%6.44%1.22%2.80%-982 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.04%0.04%0.03%0.03%0.03%0.03%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.92%0.93%0.93%1.01%1.01%1.00%0.95%+2 bps
Allowance Coverage of NPLs22.4x31.7x24.0x25.5x34.4x31.6x31.7x33.1x+7.5x
Capital
Tier 1 Leverage Ratio11.64%11.53%11.45%10.89%11.30%11.34%11.75%11.58%+69 bps
Total Risk-Based Capital19.49%19.85%19.87%22.25%22.05%22.10%21.57%21.06%-119 bps
Equity / Assets10.84%10.85%10.37%10.14%10.44%10.71%10.77%10.53%+39 bps
Liquidity & Funding
Loans / Deposits102.03%103.13%96.81%95.93%98.38%105.88%103.32%102.87%+694 bps
Liquid Assets / Assets10.29%9.86%13.85%14.36%12.02%10.27%10.17%9.59%-477 bps
CRE / Total Capitaln/an/an/an/a271%271%267%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

Leader Bank, National Association

Arlington, MA · Cert 57134 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Leader Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$5.3BAssets
$4.4BLoans
$4.3BDeposits
$556.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 27).
  • Widest gap: net interest margin trails 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 21 of 27).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.81%

Rank 13 of 27

Net Interest Margin

2.49%

Rank 21 of 27

Efficiency Ratio

63.41%

Rank 11 of 27

Equity / Assets

10.53%

Rank 18 of 27

Non-interest income vs. expense

$44.6M$107.6MINCOMEEXPENSE
Unfavorable gap of $63.1M · efficiency ratio beats 63% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 63.41%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.81%0.48%0.78%0.99%Beats 52%13 / 27
Return on Equity7.71%5.50%7.06%8.20%Beats 59%11 / 27
Net Interest Margin2.49%2.49%2.70%3.34%Beats 22%21 / 27
Efficiency Ratio63.41%59.27%68.19%75.85%Beats 63%11 / 27
Asset Quality
Nonperforming Loans / Loans0.03%0.20%0.58%1.15%Beats 100%1 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 74%8 / 27
Capital
Tier 1 Capital Ratio19.80%13.21%14.69%16.81%Beats 85%4 / 27
Total Risk-Based Capital Ratio21.06%13.71%15.43%18.07%Beats 85%4 / 27
Equity / Assets10.53%9.62%11.14%13.14%Beats 33%18 / 27
Liquidity & Funding
Loans / Deposits102.87%91.42%101.19%107.11%59th pctl11 / 27
Loans / Assets82.97%75.31%80.56%83.39%67th pctl9 / 27
Brokered Deposits / Depositsn/aNot reported for this institution