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Dr Bank

Darien, CT · Cert 58257 · Alcar Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

88

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

Dr Bank

Darien, CT · Cert 58257 · Alcar Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$912.6MAssets
$751.4MLoans
$754.5MDeposits
$88.0MEquity
Loan mix
36%RE $262.8M1%C&I $7.4M63%Consumer $452.4MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $701.4M7%Noninterest $53.1MQ2 2025Q2 2026

NIM

6.48%Q2 ’247.70%Q2 ’257.90%Q2 ’26+45%+15%

Non-interest income vs. expense

3.21%Q2 ’243.30%Q2 ’253.51%Q2 ’26-20%-38%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.0% share · #15 of 25 inst. · $0.8B of $77.9B

Executive Summary

  • Earnings: ROA of 2.49%, up 112 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.14% of loans (+5 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 10.28%, up 105 bps from a year ago.
  • Funding: loans stand at 99.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.49%+112 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+65 bps YoY

Efficiency Ratio (YTD, annualized)

50.60%-1,382 bps YoY

Tier 1 Leverage Ratio

10.28%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.57%1.67%2.02%2.49%+112 bps
Return on Equity15.63%17.51%18.45%21.31%26.11%+1,048 bps
Net Interest Margin4.30%4.46%4.53%4.94%4.95%+65 bps
Efficiency Ratio64.42%61.34%58.68%53.82%50.60%-1,382 bps
Non-Interest Burden2.48%2.36%2.23%1.88%1.52%-95 bps
Growth
Asset Growth (YoY)12.04%10.98%21.21%20.94%25.83%+1,379 bps
Loan Growth (YoY)12.35%15.06%19.23%21.66%23.50%+1,115 bps
Deposit Growth (YoY)13.75%9.32%23.39%21.16%26.30%+1,255 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.05%0.06%0.17%0.14%+5 bps
Net Charge-Offs / Loans0.15%0.18%0.16%0.38%0.30%+15 bps
Allowance / Loans0.74%0.67%0.78%0.76%0.69%-5 bps
Allowance Coverage of NPLs8.1x13.4x13.1x4.4x5.0x-3.1x
Capital
Tier 1 Leverage Ratio9.23%10.22%10.22%10.19%10.28%+105 bps
Total Risk-Based Capital9.23%10.22%10.22%10.19%10.28%+105 bps
Equity / Assets8.97%9.49%9.33%9.58%9.64%+68 bps
Liquidity & Funding
Loans / Deposits101.84%104.04%99.41%100.84%99.59%-225 bps
Liquid Assets / Assets3.61%3.58%6.19%5.14%7.56%+395 bps
CRE / Total Capitaln/a180.57%175.09%166.50%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

Dr Bank

Darien, CT · Cert 58257 · Peer group: banks under $1B in assets (n=581-629) · Alcar Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$912.6MAssets
$751.4MLoans
$754.5MDeposits
$88.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks under $1B in assets (rank 24 of 629).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 562 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.37%

Rank 55 of 629

Net Interest Margin

4.95%

Rank 28 of 629

Efficiency Ratio

50.60%

Rank 78 of 629

Equity / Assets

9.64%

Rank 410 of 629

Non-interest income vs. expense

$17.2M$30.4MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 88% of banks under $1B in assets
Bank 50.60%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.37%0.60%1.01%1.45%Beats 91%55 / 629
Return on Equity24.60%5.38%9.30%13.28%Beats 96%24 / 629
Net Interest Margin4.95%3.03%3.54%4.05%Beats 96%28 / 629
Efficiency Ratio50.60%58.35%67.79%79.08%Beats 88%78 / 629
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.46%1.20%Beats 71%172 / 581
Net Charge-Offs / Loans0.45%n/a0.01%0.06%Beats 3%562 / 581
Capital
Tier 1 Capital Ratio10.28%11.24%13.84%18.77%Beats 14%539 / 629
Total Risk-Based Capital Ratio10.28%11.58%14.43%19.66%Beats 13%549 / 629
Equity / Assets9.64%9.09%10.65%13.80%Beats 35%410 / 629
Liquidity & Funding
Loans / Deposits99.59%67.24%80.90%93.48%85th pctl87 / 594
Loans / Assets82.33%53.31%67.71%78.15%86th pctl85 / 629
Brokered Deposits / Depositsn/aNot reported for this institution