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

Unfavorable gap of $63.1M · efficiency ratio beats 63% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.81%	0.48%	0.78%	0.99%	Beats 52%	13 / 27
Return on Equity	7.71%	5.50%	7.06%	8.20%	Beats 59%	11 / 27
Net Interest Margin	2.49%	2.49%	2.70%	3.34%	Beats 22%	21 / 27
Efficiency Ratio	63.41%	59.27%	68.19%	75.85%	Beats 63%	11 / 27
Asset Quality
Nonperforming Loans / Loans	0.03%	0.20%	0.58%	1.15%	Beats 100%	1 / 27
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 74%	8 / 27
Capital
Tier 1 Capital Ratio	19.80%	13.21%	14.69%	16.81%	Beats 85%	4 / 27
Total Risk-Based Capital Ratio	21.06%	13.71%	15.43%	18.07%	Beats 85%	4 / 27
Equity / Assets	10.53%	9.62%	11.14%	13.14%	Beats 33%	18 / 27
Liquidity & Funding
Loans / Deposits	102.87%	91.42%	101.19%	107.11%	59th pctl	11 / 27
Loans / Assets	82.97%	75.31%	80.56%	83.39%	67th pctl	9 / 27
Brokered Deposits / Deposits	n/a	Not reported for this institution