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Ameriprise Bank, FSB

Minneapolis, MN · Cert 58303 · Ameriprise Financial Inc.

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $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 over $10B in assets (n=142 to 144). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

Ameriprise Bank, FSB

Minneapolis, MN · Cert 58303 · Ameriprise Financial Inc.

State savings bank · OCC · 2 branches

Q2 2026

$25.5BAssets
$2.6BLoans
$23.9BDeposits
$1.5BEquity
Loan mix
43%RE $0.9B10%C&I $0.2B47%Consumer $1.0BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $23.9B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

4.84%Q2 ’244.63%Q2 ’254.54%Q2 ’26-2%+0%

Non-interest income vs. expense

0.40%Q2 ’240.43%Q2 ’250.45%Q2 ’26+10%+3%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 9.5% share · #3 of 125 inst. · $23.9B of $253.2B

Executive Summary

  • Earnings: ROA of 3.05%, down 5 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.18% of loans (+2 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 7.38%, down 24 bps from a year ago.
  • Funding: loans stand at 10.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.05%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+1 bps YoY

Efficiency Ratio (YTD, annualized)

9.99%+30 bps YoY

Tier 1 Leverage Ratio

7.38%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.10%3.10%3.08%3.06%3.05%-5 bps
Return on Equity56.22%53.64%52.44%50.40%50.95%-528 bps
Net Interest Margin4.36%4.40%4.30%4.35%4.37%+1 bps
Efficiency Ratio9.69%9.75%9.87%9.67%9.99%+30 bps
Non-Interest Burden0.36%0.37%0.36%0.36%0.38%+1 bps
Growth
Asset Growth (YoY)5.96%4.71%7.24%5.53%6.13%+17 bps
Loan Growth (YoY)35.60%45.28%46.48%62.62%71.80%+3,620 bps
Deposit Growth (YoY)4.80%3.97%6.08%4.87%6.41%+161 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.16%0.17%0.18%0.18%+2 bps
Net Charge-Offs / Loans0.21%0.18%0.16%0.12%0.10%-10 bps
Allowance / Loans0.70%0.62%0.58%0.48%0.46%-24 bps
Allowance Coverage of NPLs4.2x4.0x3.4x2.8x2.5x-1.7x
Capital
Tier 1 Leverage Ratio7.62%7.74%7.32%7.28%7.38%-24 bps
Total Risk-Based Capital35.10%35.47%32.83%31.37%30.57%-453 bps
Equity / Assets6.12%6.53%6.25%5.89%5.84%-28 bps
Liquidity & Funding
Loans / Deposits6.81%7.69%8.20%9.63%10.99%+418 bps
Liquid Assets / Assets10.16%13.68%11.58%10.47%9.69%-47 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Ameriprise Bank, FSB

Minneapolis, MN · Cert 58303 · Peer group: banks over $10B in assets (n=142-144) · Ameriprise Financial Inc.

State savings bank · OCC · 2 branches

Q2 2026

$25.5BAssets
$2.6BLoans
$23.9BDeposits
$1.5BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks over $10B in assets (rank 1 of 144).
  • Widest gap: equity / assets trails 99% of banks over $10B in assets (rank 143 of 144).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

3.05%

Rank 4 of 144

Net Interest Margin

4.37%

Rank 17 of 144

Efficiency Ratio

10.07%

Rank 2 of 144

Equity / Assets

5.84%

Rank 143 of 144

Non-interest income vs. expense

$18.3M$114.3MINCOMEEXPENSE
Unfavorable gap of $96.0M · efficiency ratio beats 99% of banks over $10B in assets
Bank 10.07%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.05%1.00%1.26%1.54%Beats 97%4 / 144
Return on Equity52.17%8.98%11.34%14.40%Beats 99%1 / 144
Net Interest Margin4.37%2.82%3.31%3.68%Beats 88%17 / 144
Efficiency Ratio10.07%49.42%56.02%62.41%Beats 99%2 / 144
Asset Quality
Nonperforming Loans / Loans0.18%0.48%0.73%1.07%Beats 92%12 / 142
Net Charge-Offs / Loans0.07%0.05%0.11%0.22%Beats 66%49 / 142
Capital
Tier 1 Capital Ratio30.38%12.07%12.98%14.92%Beats 95%7 / 144
Total Risk-Based Capital Ratio30.57%13.39%14.14%16.25%Beats 95%7 / 144
Equity / Assets5.84%9.69%11.39%12.96%Beats 1%143 / 144
Liquidity & Funding
Loans / Deposits10.99%75.72%84.92%91.56%1st pctl141 / 143
Loans / Assets10.32%59.83%69.07%74.80%2nd pctl141 / 144
Brokered Deposits / Depositsn/aNot reported for this institution