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Metropolitan Capital Bank & Trust

Chicago, IL · Cert 57488

FDIC · 1 branch

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Chicago-Naperville-Elgin, IL-IN area (n=61 to 62). 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

0

Q2 2024Q4 2025peer median (50)

Asset Quality

11

Q2 2024Q4 2025peer median (50)

Profitability

46

Q2 2024Q4 2025peer median (50)

Liquidity

35

Q2 2024Q4 2025peer median

Efficiency

10

Q2 2024Q4 2025peer 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

Metropolitan Capital Bank & Trust

Chicago, IL · Cert 57488

FDIC · 1 branch

Q4 2025

$235.5MAssets
$136.6MLoans
$202.1MDeposits
$-1774KEquity
Loan mix
22%RE $29.7M78%C&I $105.9M1%Consumer $0.9MQ4 2024Q4 2025
Deposit mix
81%Interest-bearing $162.8M19%Noninterest $39.3MQ4 2024Q4 2025

NIM

9.13%Q4 ’238.04%Q4 ’247.09%Q4 ’25-21%-23%

Non-interest income vs. expense

5.53%Q4 ’235.25%Q4 ’245.82%Q4 ’25-6%+6%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.0% share · #97 of 152 inst. · $0.2B of $601.9B

Executive Summary

  • Earnings: ROA of -6.92%, down 201 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 2.82% of loans (-668 bps YoY), with net charge-offs at 12.35%.
  • Capital: tier 1 leverage ratio of 1.83%, down 277 bps from a year ago.
  • Funding: loans stand at 67.62% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-6.92%-201 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-133 bps YoY

Efficiency Ratio (YTD, annualized)

123.32%+3,233 bps YoY

Tier 1 Leverage Ratio

1.83%-277 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-4.91%-0.97%-1.11%-5.69%-6.92%-201 bps
Return on Equity-90.95%-72.94%-80.13%-394%-672%-58,148 bps
Net Interest Margin5.65%4.67%4.11%4.08%4.33%-133 bps
Efficiency Ratio90.99%116.97%121.30%126.30%123.32%+3,233 bps
Non-Interest Burden5.10%5.48%5.04%5.23%5.39%+30 bps
Growth
Asset Growth (YoY)-1.62%4.73%-3.70%0.91%-4.72%-310 bps
Loan Growth (YoY)6.71%-6.57%-1.46%-18.61%-23.46%-3,017 bps
Deposit Growth (YoY)0.78%13.79%4.38%-1.53%-7.32%-810 bps
Asset Quality
Nonperforming Loans / Loans9.49%8.76%10.45%3.08%2.82%-668 bps
Net Charge-Offs / Loans4.53%0.41%0.14%11.57%12.35%+782 bps
Allowance / Loans4.41%4.71%4.43%2.34%3.80%-61 bps
Allowance Coverage of NPLs0.5x0.5x0.4x0.8x1.3x+0.9x
Capital
Tier 1 Leverage Ratio4.60%4.64%4.56%4.43%1.83%-277 bps
Total Risk-Based Capital7.26%7.55%7.27%8.32%4.32%-294 bps
Equity / Assets1.26%1.40%1.49%1.62%-0.75%-201 bps
Liquidity & Funding
Loans / Deposits81.87%70.18%78.63%68.61%67.62%-1,426 bps
Liquid Assets / Assets3.79%12.77%4.84%19.88%16.29%+1,249 bps
CRE / Total Capitaln/an/an/a148.30%432%n/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

Metropolitan Capital Bank & Trust

Chicago, IL · Cert 57488 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=61-62)

FDIC · 1 branch

Q4 2025

$235.5MAssets
$136.6MLoans
$202.1MDeposits
$-1774KEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 7 of 62).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 62 of 62).
  • Overall: at or above the peer median on 1 of 8 directional measures.

Return on Assets

-7.35%

Rank 61 of 62

Net Interest Margin

4.33%

Rank 7 of 62

Efficiency Ratio

123.32%

Rank 57 of 62

Equity / Assets

-0.75%

Rank 62 of 62

Non-interest income vs. expense

$1.1M$15.6MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 10% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 123.32%Peer median 73.1%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-7.35%0.33%0.77%1.07%Beats 2%61 / 62
Return on Equityn/aNot reported for this institution
Net Interest Margin4.33%2.86%3.31%3.81%Beats 89%7 / 62
Efficiency Ratio123.32%61.15%73.14%86.06%Beats 10%57 / 62
Asset Quality
Nonperforming Loans / Loans2.82%0.12%0.37%1.60%Beats 11%55 / 61
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio3.02%11.79%15.20%19.10%Beats 0%62 / 62
Total Risk-Based Capital Ratio4.32%12.20%15.53%19.86%Beats 0%62 / 62
Equity / Assets-0.75%8.90%11.71%14.82%Beats 0%62 / 62
Liquidity & Funding
Loans / Deposits67.62%67.31%84.88%93.55%26th pctl45 / 61
Loans / Assets58.03%55.77%70.25%76.85%28th pctl44 / 61
Brokered Deposits / Deposits21.99%n/an/a5.37%Beats 6%59 / 62