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Newbank

Flushing, NY · Cert 58203

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ 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 under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

87

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

Newbank

Flushing, NY · Cert 58203

State charter, non-member · FDIC · 7 branches

Q2 2026

$618.0MAssets
$465.4MLoans
$517.7MDeposits
$90.4MEquity
Loan mix
86%RE $375.5M14%C&I $63.1M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $382.6M26%Noninterest $135.1MQ2 2025Q2 2026

NIM

7.70%Q2 ’247.03%Q2 ’256.49%Q2 ’26-6%-2%

Non-interest income vs. expense

2.23%Q2 ’242.73%Q2 ’252.82%Q2 ’26+34%+4%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #94 of 151 inst. · $0.5B of $2921.1B

0.3% Queens
0.3% Bergen
0.0% New York
0.0% Arapahoe

Executive Summary

  • Earnings: ROA of 0.83%, down 52 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 2.65% of loans (+96 bps YoY), with net charge-offs at 0.65%.
  • Capital: tier 1 leverage ratio of 15.00%, up 114 bps from a year ago.
  • Funding: loans stand at 89.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%-52 bps YoY

Net Interest Margin (YTD, annualized)

4.20%-8 bps YoY

Efficiency Ratio (YTD, annualized)

59.61%+283 bps YoY

Tier 1 Leverage Ratio

15.00%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.43%1.32%0.43%0.83%-52 bps
Return on Equity10.23%10.74%9.76%2.98%5.76%-446 bps
Net Interest Margin4.27%4.21%4.24%4.05%4.20%-8 bps
Efficiency Ratio56.78%55.77%56.62%60.95%59.61%+283 bps
Non-Interest Burden2.19%2.12%2.17%2.27%2.28%+9 bps
Growth
Asset Growth (YoY)-3.20%-4.73%-3.47%-1.07%-2.41%+79 bps
Loan Growth (YoY)5.63%7.26%12.48%12.72%13.34%+771 bps
Deposit Growth (YoY)-4.94%-6.57%-5.15%-2.01%-2.78%+215 bps
Asset Quality
Nonperforming Loans / Loans1.69%1.74%3.12%3.02%2.65%+96 bps
Net Charge-Offs / Loans0.06%0.07%0.06%0.98%0.65%+59 bps
Allowance / Loans1.28%1.23%1.45%1.54%1.47%+19 bps
Allowance Coverage of NPLs0.8x0.7x0.5x0.5x0.6x-0.2x
Capital
Tier 1 Leverage Ratio13.86%13.73%14.18%14.35%15.00%+114 bps
Total Risk-Based Capital13.86%13.73%14.18%14.35%15.00%+114 bps
Equity / Assets13.54%13.87%14.09%14.47%14.63%+109 bps
Liquidity & Funding
Loans / Deposits77.11%78.96%80.35%85.09%89.91%+1,279 bps
Liquid Assets / Assets32.70%27.96%22.01%15.91%12.46%-2,025 bps
CRE / Total Capitaln/a391%381%388%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

Newbank

Flushing, NY · Cert 58203 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

State charter, non-member · FDIC · 7 branches

Q2 2026

$618.0MAssets
$465.4MLoans
$517.7MDeposits
$90.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 87% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 31).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 30 of 30).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 8 of 31

Net Interest Margin

4.20%

Rank 5 of 31

Efficiency Ratio

59.61%

Rank 5 of 31

Equity / Assets

14.63%

Rank 10 of 31

Non-interest income vs. expense

$3.2M$17.1MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 59.61%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%-0.02%0.39%0.84%Beats 74%8 / 31
Return on Equity5.72%-0.19%2.57%5.72%Beats 74%8 / 31
Net Interest Margin4.20%2.51%3.30%3.85%Beats 84%5 / 31
Efficiency Ratio59.61%68.41%83.66%91.76%Beats 87%5 / 31
Asset Quality
Nonperforming Loans / Loans2.65%0.18%0.47%2.65%Beats 27%23 / 30
Net Charge-Offs / Loans0.42%n/an/a0.02%Beats 3%30 / 30
Capital
Tier 1 Capital Ratio15.00%13.24%15.54%26.77%Beats 42%18 / 31
Total Risk-Based Capital Ratio15.00%14.07%16.32%26.77%Beats 42%18 / 31
Equity / Assets14.63%10.38%13.26%17.83%Beats 68%10 / 31
Liquidity & Funding
Loans / Deposits89.91%84.03%94.98%103.65%35th pctl20 / 31
Loans / Assets75.31%61.61%75.31%83.78%48th pctl16 / 31
Brokered Deposits / Depositsn/aNot reported for this institution