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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

6.14%Q2 ’245.42%Q2 ’254.90%Q2 ’26-6%-4%

Non-interest income vs. expense

1.05%Q2 ’241.00%Q2 ’250.92%Q2 ’26-9%-7%

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

Executive Summary

  • Earnings: ROA of 0.78%, up 3 bps year over year; NIM at 1.91%.
  • Asset quality: problem loans at 0.30% of loans (+1 bps YoY), with net charge-offs at 0.15%.
  • 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 (quarter, annualized)

0.78%+3 bps YoY

Net Interest Margin (quarter, annualized)

1.91%-9 bps YoY

Efficiency Ratio (quarter, annualized)

46.34%-172 bps YoY

Tier 1 Leverage Ratio

7.41%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.84%0.82%0.71%0.78%+3 bps
Return on Equity10.62%12.01%11.83%10.10%11.13%+51 bps
Net Interest Margin2.00%2.03%2.00%1.93%1.91%-9 bps
Efficiency Ratio48.06%47.44%44.02%49.33%46.34%-172 bps
Non-Interest Burden0.91%0.90%0.82%0.92%0.84%-7 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 / Loans-0.01%-0.01%0.16%0.12%0.15%+17 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