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Tristate Capital Bank

Pittsburgh, PA · Cert 58457 · Raymond James Financial Inc.

State charter, Fed member · FED · 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

81

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

Tristate Capital Bank

Pittsburgh, PA · Cert 58457 · Raymond James Financial Inc.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$24.3BAssets
$19.5BLoans
$22.3BDeposits
$1.7BEquity
Loan mix
69%RE $3.4B23%C&I $1.1B7%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $21.8B2%Noninterest $0.5BQ2 2025Q2 2026

NIM

6.12%Q2 ’245.32%Q2 ’254.80%Q2 ’26-8%-3%

Non-interest income vs. expense

1.06%Q2 ’241.00%Q2 ’250.94%Q2 ’26-10%-4%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 10.7% share · #3 of 48 inst. · $22.3B of $209.3B

Executive Summary

  • Earnings: ROA of 0.74%, up 2 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.30% of loans (+1 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 7.41%, down 7 bps from a year ago.
  • Funding: loans stand at 87.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+2 bps YoY

Net Interest Margin (YTD, annualized)

1.89%-6 bps YoY

Efficiency Ratio (YTD, annualized)

47.82%-89 bps YoY

Tier 1 Leverage Ratio

7.41%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.76%0.78%0.71%0.74%+2 bps
Return on Equity10.42%10.96%11.19%10.10%10.62%+20 bps
Net Interest Margin1.95%1.96%1.90%1.93%1.89%-6 bps
Efficiency Ratio48.71%48.27%47.15%49.33%47.82%-89 bps
Non-Interest Burden0.90%0.89%0.85%0.92%0.87%-4 bps
Growth
Asset Growth (YoY)7.59%8.04%11.30%12.26%14.57%+697 bps
Loan Growth (YoY)12.50%15.45%19.88%20.71%23.53%+1,104 bps
Deposit Growth (YoY)8.22%8.46%12.08%12.62%14.99%+677 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.38%0.48%0.37%0.30%+1 bps
Net Charge-Offs / Loans0.09%0.06%0.08%0.12%0.13%+4 bps
Allowance / Loans0.37%0.39%0.35%0.33%0.29%-8 bps
Allowance Coverage of NPLs1.3x1.0x0.7x0.9x1.0x-0.3x
Capital
Tier 1 Leverage Ratio7.49%7.57%7.46%7.45%7.41%-7 bps
Total Risk-Based Capital17.72%17.49%18.66%19.29%19.10%+138 bps
Equity / Assets7.08%6.98%6.91%7.09%6.97%-11 bps
Liquidity & Funding
Loans / Deposits81.22%80.94%83.06%86.06%87.25%+603 bps
Liquid Assets / Assets13.15%13.92%12.43%9.93%9.36%-379 bps
CRE / Total Capitaln/a209%200%194.59%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

Tristate Capital Bank

Pittsburgh, PA · Cert 58457 · Peer group: banks over $10B in assets (n=142-144) · Raymond James Financial Inc.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$24.3BAssets
$19.5BLoans
$22.3BDeposits
$1.7BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 91% of banks over $10B in assets (rank 13 of 144).
  • Widest gap: equity / assets trails 96% of banks over $10B in assets (rank 138 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.72%

Rank 134 of 144

Net Interest Margin

1.89%

Rank 136 of 144

Efficiency Ratio

47.82%

Rank 29 of 144

Equity / Assets

6.97%

Rank 138 of 144

Non-interest income vs. expense

$17.4M$227.2MINCOMEEXPENSE
Unfavorable gap of $209.7M · efficiency ratio beats 81% of banks over $10B in assets
Bank 47.82%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%1.00%1.26%1.54%Beats 7%134 / 144
Return on Equity10.37%8.98%11.34%14.40%Beats 39%88 / 144
Net Interest Margin1.89%2.82%3.31%3.68%Beats 6%136 / 144
Efficiency Ratio47.82%49.42%56.02%62.41%Beats 81%29 / 144
Asset Quality
Nonperforming Loans / Loans0.30%0.48%0.73%1.07%Beats 87%20 / 142
Net Charge-Offs / Loans0.07%0.05%0.11%0.22%Beats 65%50 / 142
Capital
Tier 1 Capital Ratio18.45%12.07%12.98%14.92%Beats 91%13 / 144
Total Risk-Based Capital Ratio19.10%13.39%14.14%16.25%Beats 90%15 / 144
Equity / Assets6.97%9.69%11.39%12.96%Beats 4%138 / 144
Liquidity & Funding
Loans / Deposits87.25%75.72%84.92%91.56%59th pctl58 / 143
Loans / Assets80.27%59.83%69.07%74.80%91st pctl13 / 144
Brokered Deposits / Depositsn/aNot reported for this institution