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Cross River Bank

Fort Lee, NJ · Cert 58410 · CRB Group 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 $1B-$10B 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 $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). 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

7

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

9

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

Cross River Bank

Fort Lee, NJ · Cert 58410 · CRB Group Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$8.5BAssets
$5.9BLoans
$6.7BDeposits
$1.0BEquity
Loan mix
31%RE $1.3B2%C&I $0.1B68%Consumer $2.8BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $5.3B20%Noninterest $1.4BQ2 2025Q2 2026

NIM

8.64%Q2 ’248.39%Q2 ’256.98%Q2 ’26-2%-9%

Non-interest income vs. expense

4.43%Q2 ’244.66%Q2 ’255.42%Q2 ’26-14%-8%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #37 of 151 inst. · $6.7B of $2921.1B

9.6% Bergen
0.0% New Castle

Executive Summary

  • Earnings: ROA of 0.12%, down 44 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 2.79% of loans (-28 bps YoY), with net charge-offs at 2.69%.
  • Capital: tier 1 leverage ratio of 11.78%, down 105 bps from a year ago.
  • Funding: loans stand at 88.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.12%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.69%-46 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%+429 bps YoY

Tier 1 Leverage Ratio

11.78%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.44%0.29%0.55%0.12%-44 bps
Return on Equity4.50%3.49%2.30%4.40%0.99%-351 bps
Net Interest Margin5.15%5.34%5.48%4.81%4.69%-46 bps
Efficiency Ratio78.64%76.94%82.80%78.95%82.92%+429 bps
Non-Interest Burden3.88%3.86%4.36%3.32%3.58%-30 bps
Growth
Asset Growth (YoY)-9.96%-3.75%-2.53%1.93%7.45%+1,741 bps
Loan Growth (YoY)-12.57%-1.97%-10.08%-9.00%4.46%+1,703 bps
Deposit Growth (YoY)-5.35%-2.23%-0.72%2.47%0.54%+589 bps
Asset Quality
Nonperforming Loans / Loans3.07%2.63%4.82%3.45%2.79%-28 bps
Net Charge-Offs / Loans1.13%1.32%1.19%5.39%2.69%+156 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 Ratio12.84%13.06%13.49%12.82%11.78%-105 bps
Total Risk-Based Capital12.84%13.06%13.49%12.82%11.78%-105 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits85.65%87.76%85.69%84.83%88.99%+334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 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 2026-10-11

Cross River Bank

Fort Lee, NJ · Cert 58410 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · CRB Group Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$8.5BAssets
$5.9BLoans
$6.7BDeposits
$1.0BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 3 of 36).
  • Widest gap: net charge-offs / loans trails 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.12%

Rank 33 of 36

Net Interest Margin

4.69%

Rank 3 of 36

Efficiency Ratio

82.98%

Rank 33 of 35

Equity / Assets

12.09%

Rank 14 of 36

Non-interest income vs. expense

$158.1M$465.4MINCOMEEXPENSE
Unfavorable gap of $307.3M · efficiency ratio beats 9% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 82.98%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.12%0.65%1.00%1.72%Beats 8%33 / 36
Return on Equity1.00%5.35%9.30%13.56%Beats 6%33 / 35
Net Interest Margin4.69%2.66%3.13%3.63%Beats 92%3 / 36
Efficiency Ratio82.98%52.19%63.09%75.14%Beats 9%33 / 35
Asset Quality
Nonperforming Loans / Loans2.79%0.46%0.84%1.59%Beats 11%33 / 36
Net Charge-Offs / Loans1.75%n/a0.03%0.14%Beats 3%36 / 36
Capital
Tier 1 Capital Ratio11.78%13.13%14.78%18.34%Beats 17%30 / 36
Total Risk-Based Capital Ratio11.78%13.73%15.96%19.27%Beats 8%33 / 36
Equity / Assets12.09%9.80%11.58%14.82%Beats 61%14 / 36
Liquidity & Funding
Loans / Deposits88.99%81.12%95.13%103.24%36th pctl23 / 36
Loans / Assets69.76%67.44%76.31%84.79%31st pctl25 / 36
Brokered Deposits / Depositsn/aNot reported for this institution