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New Valley Bank & Trust

Springfield, MA · Cert 59143

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 under $1B in assets operating in a single state (n=743 to 746). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

5

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

New Valley Bank & Trust

Springfield, MA · Cert 59143

State charter, non-member · FDIC · 3 branches

Q2 2026

$385.0MAssets
$253.3MLoans
$321.4MDeposits
$27.4MEquity
Loan mix
77%RE $198.7M23%C&I $59.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $296.0M8%Noninterest $25.4MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.86%Q2 ’254.47%Q2 ’26+15%-9%

Non-interest income vs. expense

2.54%Q2 ’242.79%Q2 ’252.50%Q2 ’26+11%-10%

Market Position · Springfield, MA · 2026 SOD (annual) · 2.3% share · #11 of 18 inst. · $0.3B of $14.1B

Executive Summary

  • Earnings: ROA of 0.08%, up 53 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 2.34% of loans (-118 bps YoY), with net recoveries of 0.17%.
  • Capital: tier 1 leverage ratio of 7.45%, down 85 bps from a year ago.
  • Funding: loans stand at 78.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.08%+53 bps YoY

Net Interest Margin (YTD, annualized)

2.50%-26 bps YoY

Efficiency Ratio (YTD, annualized)

94.11%-27 bps YoY

Tier 1 Leverage Ratio

7.45%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.45%-0.16%-0.02%0.43%0.08%+53 bps
Return on Equity-5.74%-2.11%-0.20%5.73%1.14%+687 bps
Net Interest Margin2.76%3.12%3.05%2.76%2.50%-26 bps
Efficiency Ratio94.39%85.19%84.87%90.15%94.11%-27 bps
Non-Interest Burden2.59%2.63%2.56%2.47%2.34%-25 bps
Growth
Asset Growth (YoY)-0.28%5.94%4.27%11.83%13.10%+1,338 bps
Loan Growth (YoY)9.34%3.00%3.00%0.12%-3.74%-1,308 bps
Deposit Growth (YoY)-3.59%2.80%1.08%14.01%15.79%+1,939 bps
Asset Quality
Nonperforming Loans / Loans3.53%3.32%3.08%2.69%2.34%-118 bps
Net Charge-Offs / Loans1.30%0.91%1.22%0.11%-0.17%-148 bps
Allowance / Loans2.23%2.43%1.84%1.73%2.05%-19 bps
Allowance Coverage of NPLs0.6x0.7x0.6x0.6x0.9x+0.2x
Capital
Tier 1 Leverage Ratio8.30%8.23%8.29%8.09%7.45%-85 bps
Total Risk-Based Capital11.36%11.59%11.68%11.97%12.04%+69 bps
Equity / Assets7.60%7.20%7.96%7.21%7.11%-49 bps
Liquidity & Funding
Loans / Deposits94.80%86.66%95.42%81.35%78.81%-1,599 bps
Liquid Assets / Assets9.99%17.66%11.00%22.66%24.19%+1,420 bps
CRE / Total Capitaln/a545%551%542%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

New Valley Bank & Trust

Springfield, MA · Cert 59143 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 3 branches

Q2 2026

$385.0MAssets
$253.3MLoans
$321.4MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 29% of banks under $1B in assets operating in a single state (rank 533 of 746).
  • Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 709 of 746).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.08%

Rank 712 of 746

Net Interest Margin

2.50%

Rank 694 of 746

Efficiency Ratio

94.11%

Rank 709 of 746

Equity / Assets

7.11%

Rank 690 of 746

Non-interest income vs. expense

$0.6M$9.8MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state
Bank 94.11%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.08%0.72%1.06%1.45%Beats 5%712 / 746
Return on Equity1.13%6.74%10.51%13.63%Beats 6%703 / 746
Net Interest Margin2.50%3.17%3.68%4.16%Beats 7%694 / 746
Efficiency Ratio94.11%55.74%64.58%75.47%Beats 5%709 / 746
Asset Quality
Nonperforming Loans / Loans2.34%0.09%0.42%1.07%Beats 9%675 / 743
Net Charge-Offs / Loans0.09%0.00%0.01%0.05%Beats 16%622 / 743
Capital
Tier 1 Capital Ratio10.79%11.55%13.75%17.60%Beats 17%621 / 746
Total Risk-Based Capital Ratio12.04%11.71%14.33%18.43%Beats 29%533 / 746
Equity / Assets7.11%8.90%10.51%13.06%Beats 8%690 / 746
Liquidity & Funding
Loans / Deposits78.81%61.31%78.27%90.78%51st pctl364 / 746
Loans / Assets65.79%53.60%66.97%76.08%47th pctl398 / 746
Brokered Deposits / Depositsn/aNot reported for this institution