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Meadows Bank

Las Vegas, NV · Cert 58722

State charter, non-member · FDIC · 6 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 (n=309 to 319). 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

66

Q2 2024Q1 2026peer median (50)

Asset Quality

47

Q2 2024Q1 2026peer median (50)

Profitability

70

Q2 2024Q1 2026peer median (50)

Liquidity

0

Q2 2024Q1 2026peer median

Efficiency

55

Q2 2024Q1 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

Meadows Bank

Las Vegas, NV · Cert 58722

State charter, non-member · FDIC · 6 branches

Q1 2026

$1.5BAssets
$1.3BLoans
$1.1BDeposits
$194.5MEquity
Loan mix
86%RE $1.1B14%C&I $0.2B0%Consumer $0.0BQ1 2025Q1 2026
Deposit mix
60%Interest-bearing $647.4M40%Noninterest $425.7MQ1 2025Q1 2026

NIM

6.32%Q1 ’246.12%Q1 ’256.27%Q1 ’26-5%+4%

Non-interest income vs. expense

2.71%Q1 ’242.71%Q1 ’252.77%Q1 ’26+1%+4%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2025 SOD (annual) · 0.9% share · #15 of 43 inst. · $0.9B of $100.3B

0.9% Clark
1.2% Washoe
15.0% Nye
0.0% Maricopa

Executive Summary

  • Earnings: ROA of 1.48%, up 6 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 1.05% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.95%, up 31 bps from a year ago.
  • Funding: loans stand at 121.06% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+19 bps YoY

Efficiency Ratio (YTD, annualized)

58.75%-71 bps YoY

Tier 1 Leverage Ratio

13.95%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.58%1.67%1.72%1.48%+6 bps
Return on Equity10.56%11.78%12.47%12.75%10.85%+29 bps
Net Interest Margin4.39%4.40%4.45%4.41%4.58%+19 bps
Efficiency Ratio59.47%56.17%54.30%53.68%58.75%-71 bps
Non-Interest Burden2.53%2.38%2.33%2.28%2.63%+10 bps
Growth
Asset Growth (YoY)8.80%12.10%11.11%7.80%7.38%-142 bps
Loan Growth (YoY)6.89%10.59%10.86%8.18%10.50%+361 bps
Deposit Growth (YoY)10.53%16.28%12.78%7.88%-7.63%-1,816 bps
Asset Quality
Nonperforming Loans / Loans1.07%1.15%0.87%0.90%1.05%-2 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.01%0 bps
Allowance / Loans1.20%1.14%1.13%1.12%1.09%-11 bps
Allowance Coverage of NPLs1.1x1.0x1.3x1.2x1.0x-0.1x
Capital
Tier 1 Leverage Ratio13.64%13.63%13.84%13.92%13.95%+31 bps
Total Risk-Based Capital13.64%13.63%13.84%13.92%13.95%+31 bps
Equity / Assets13.19%13.30%13.27%13.94%13.39%+20 bps
Liquidity & Funding
Loans / Deposits101.19%103.70%101.80%104.80%121.06%+1,987 bps
Liquid Assets / Assets8.88%6.69%8.43%6.94%6.67%-221 bps
CRE / Total Capitaln/an/a550%534%555%n/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

Meadows Bank

Las Vegas, NV · Cert 58722 · Peer group: banks $1B-$10B in assets (n=309-319)

State charter, non-member · FDIC · 6 branches

Q1 2026

$1.5BAssets
$1.3BLoans
$1.1BDeposits
$194.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets (rank 28 of 317).
  • Widest gap: nonperforming loans / loans trails 77% of banks $1B-$10B in assets (rank 238 of 309).
  • Overall: at or above the peer median on 7 of 10 directional measures.

Return on Assets

1.47%

Rank 81 of 317

Net Interest Margin

4.58%

Rank 28 of 317

Efficiency Ratio

58.75%

Rank 142 of 316

Equity / Assets

13.39%

Rank 43 of 317

Non-interest income vs. expense

$2.0M$39.0MINCOMEEXPENSE
Unfavorable gap of $36.9M · efficiency ratio beats 55% of banks $1B-$10B in assets
Bank 58.75%Peer median 60.1%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.92%1.22%1.47%Beats 74%81 / 317
Return on Equity10.95%8.58%11.63%14.43%Beats 44%176 / 317
Net Interest Margin4.58%3.08%3.44%3.83%Beats 91%28 / 317
Efficiency Ratio58.75%52.59%60.06%67.45%Beats 55%142 / 316
Asset Quality
Nonperforming Loans / Loans1.05%0.28%0.58%0.99%Beats 23%238 / 309
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 71%93 / 309
Capital
Tier 1 Capital Ratio13.95%11.53%12.89%15.09%Beats 63%118 / 317
Total Risk-Based Capital Ratio13.95%12.45%13.96%16.01%Beats 50%160 / 317
Equity / Assets13.39%9.04%10.40%11.79%Beats 86%43 / 317
Liquidity & Funding
Loans / Deposits121.06%77.53%87.93%95.05%98th pctl6 / 312
Loans / Assets89.44%65.75%74.46%79.49%98th pctl5 / 319
Brokered Deposits / Deposits2.80%n/a2.48%10.10%Beats 48%163 / 311