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Global Bank

New York, NY · Cert 58263

State charter, non-member · FDIC · 3 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

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

Global Bank

New York, NY · Cert 58263

State charter, non-member · FDIC · 3 branches

Q2 2026

$304.2MAssets
$248.3MLoans
$212.8MDeposits
$35.9MEquity
Loan mix
99%RE $226.1M1%C&I $1.3M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $184.2M13%Noninterest $28.5MQ2 2025Q2 2026

NIM

6.69%Q2 ’246.84%Q2 ’255.70%Q2 ’26+24%-19%

Non-interest income vs. expense

2.84%Q2 ’242.91%Q2 ’252.97%Q2 ’26+4%+1%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #117 of 151 inst. · $0.2B of $2921.1B

0.0% New York
0.1% Kings
0.0% Queens

Executive Summary

  • Earnings: ROA of -0.02%, down 81 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 4.49% of loans (+155 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.11%, down 149 bps from a year ago.
  • Funding: loans stand at 116.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.02%-81 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-72 bps YoY

Efficiency Ratio (YTD, annualized)

91.39%+1,746 bps YoY

Tier 1 Leverage Ratio

12.11%-149 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.72%0.52%0.23%-0.02%-81 bps
Return on Equity5.86%5.35%3.91%1.77%-0.19%-605 bps
Net Interest Margin3.79%3.64%3.45%3.22%3.07%-72 bps
Efficiency Ratio73.93%75.21%80.61%86.82%91.39%+1,746 bps
Non-Interest Burden2.77%2.70%2.75%2.79%2.79%+2 bps
Growth
Asset Growth (YoY)8.64%5.20%4.76%7.70%13.85%+521 bps
Loan Growth (YoY)10.93%4.12%7.67%5.93%9.10%-182 bps
Deposit Growth (YoY)10.28%6.13%2.78%3.06%6.63%-365 bps
Asset Quality
Nonperforming Loans / Loans2.94%6.99%4.87%3.54%4.49%+155 bps
Net Charge-Offs / Loans0.00%0.00%0.16%0.00%0.00%0 bps
Allowance / Loans1.13%1.15%1.00%1.02%0.99%-14 bps
Allowance Coverage of NPLs0.4x0.2x0.2x0.3x0.2x-0.2x
Capital
Tier 1 Leverage Ratio13.59%13.30%13.37%13.18%12.11%-149 bps
Total Risk-Based Capital13.59%13.30%13.37%13.18%12.11%-149 bps
Equity / Assets13.36%13.49%13.27%12.95%11.81%-155 bps
Liquidity & Funding
Loans / Deposits114.06%113.38%108.99%110.86%116.71%+265 bps
Liquid Assets / Assets4.82%6.12%5.51%5.70%5.49%+67 bps
CRE / Total Capitaln/a448%430%399%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

Global Bank

New York, NY · Cert 58263 · 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 · 3 branches

Q2 2026

$304.2MAssets
$248.3MLoans
$212.8MDeposits
$35.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 29 of 31).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.02%

Rank 24 of 31

Net Interest Margin

3.07%

Rank 19 of 31

Efficiency Ratio

91.39%

Rank 23 of 31

Equity / Assets

11.81%

Rank 20 of 31

Non-interest income vs. expense

$0.5M$8.9MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 29% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 91.39%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.02%-0.02%0.39%0.84%Beats 23%24 / 31
Return on Equity-0.19%-0.19%2.57%5.72%Beats 23%24 / 31
Net Interest Margin3.07%2.51%3.30%3.85%Beats 39%19 / 31
Efficiency Ratio91.39%68.41%83.66%91.76%Beats 29%23 / 31
Asset Quality
Nonperforming Loans / Loans4.49%0.18%0.47%2.65%Beats 13%27 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio12.11%13.24%15.54%26.77%Beats 13%27 / 31
Total Risk-Based Capital Ratio12.11%14.07%16.32%26.77%Beats 6%29 / 31
Equity / Assets11.81%10.38%13.26%17.83%Beats 35%20 / 31
Liquidity & Funding
Loans / Deposits116.71%84.03%94.98%103.65%90th pctl3 / 31
Loans / Assets81.61%61.61%75.31%83.78%68th pctl10 / 31
Brokered Deposits / Depositsn/aNot reported for this institution