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Banesco USA

Miami, FL · Cert 57815

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=311 to 317). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

68

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 2026-10-10

Banesco USA

Miami, FL · Cert 57815

State charter, non-member · FDIC · 6 branches

Q2 2026

$6.0BAssets
$4.0BLoans
$4.3BDeposits
$626.4MEquity
Loan mix
80%RE $3.1B20%C&I $0.8B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $2.4B43%Noninterest $1.8BQ2 2025Q2 2026

NIM

5.47%Q2 ’245.24%Q2 ’255.27%Q2 ’26+5%+11%

Non-interest income vs. expense

2.03%Q2 ’241.98%Q2 ’252.21%Q2 ’26-2%-3%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.2% share · #16 of 86 inst. · $4.3B of $348.8B

2.0% Miami-Dade
1.6% San Juan

Executive Summary

  • Earnings: ROA of 1.47%, up 29 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.49% of loans (-24 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.46%, down 54 bps from a year ago.
  • Funding: loans stand at 92.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+33 bps YoY

Efficiency Ratio (YTD, annualized)

53.87%-278 bps YoY

Tier 1 Leverage Ratio

11.46%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.14%1.13%1.28%1.47%+29 bps
Return on Equity10.51%10.34%10.31%12.17%13.92%+341 bps
Net Interest Margin3.00%2.91%2.87%3.27%3.33%+33 bps
Efficiency Ratio56.65%55.87%56.73%55.44%53.87%-278 bps
Non-Interest Burden1.48%1.42%1.43%1.51%1.44%-4 bps
Growth
Asset Growth (YoY)25.08%26.72%24.28%21.63%14.69%-1,039 bps
Loan Growth (YoY)16.28%17.52%17.06%20.92%8.37%-791 bps
Deposit Growth (YoY)12.94%24.30%22.16%21.27%30.85%+1,791 bps
Asset Quality
Nonperforming Loans / Loans0.73%1.15%0.55%0.53%0.49%-24 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.04%0.10%+10 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.00%11.55%11.30%11.34%11.46%-54 bps
Total Risk-Based Capital12.00%11.55%11.30%11.34%11.46%-54 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits111.90%103.93%105.06%105.37%92.67%-1,923 bps
Liquid Assets / Assets3.32%3.07%2.97%2.78%2.63%-69 bps
CRE / Total Capitaln/an/an/an/an/an/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 2026-10-10

Banesco USA

Miami, FL · Cert 57815 · Peer group: banks $1B-$10B in assets (n=311-317)

State charter, non-member · FDIC · 6 branches

Q2 2026

$6.0BAssets
$4.0BLoans
$4.3BDeposits
$626.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 68% of banks $1B-$10B in assets (rank 103 of 317).
  • Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets (rank 275 of 317).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.41%

Rank 103 of 317

Net Interest Margin

3.22%

Rank 208 of 317

Efficiency Ratio

53.87%

Rank 101 of 317

Equity / Assets

10.47%

Rank 155 of 317

Non-interest income vs. expense

$44.3M$127.7MINCOMEEXPENSE
Unfavorable gap of $83.4M · efficiency ratio beats 68% of banks $1B-$10B in assets
Bank 53.87%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%0.93%1.22%1.51%Beats 68%103 / 317
Return on Equity13.45%8.63%11.43%14.48%Beats 68%103 / 317
Net Interest Margin3.22%3.06%3.45%3.83%Beats 34%208 / 317
Efficiency Ratio53.87%51.90%59.69%67.53%Beats 68%101 / 317
Asset Quality
Nonperforming Loans / Loans0.49%0.24%0.51%1.14%Beats 52%151 / 311
Net Charge-Offs / Loans0.06%0.01%0.04%0.12%Beats 40%189 / 311
Capital
Tier 1 Capital Ratio11.46%11.75%13.15%15.30%Beats 22%248 / 317
Total Risk-Based Capital Ratio11.46%12.63%14.21%16.26%Beats 13%275 / 317
Equity / Assets10.47%9.06%10.32%11.95%Beats 51%155 / 317
Liquidity & Funding
Loans / Deposits92.67%76.63%88.04%95.67%66th pctl105 / 312
Loans / Assets66.27%65.41%74.05%79.71%26th pctl233 / 317
Brokered Deposits / Depositsn/aNot reported for this institution