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Jpmorgan Chase Bank, National Association

Columbus, OH · Cert 628 · Jpmorgan Chase&Co

National charter · OCC · 5,141 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

57

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

Jpmorgan Chase Bank, National Association

Columbus, OH · Cert 628 · Jpmorgan Chase&Co

National charter · OCC · 1 affiliate bank · 5,141 branches (5,142 in holding)

Q2 2026

$4091.3BAssets
$1561.6BLoans
$2226.8BDeposits
$341.6BEquity
Loan mix
50%RE $504.3B23%C&I $237.7B27%Consumer $275.0BQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $1598.0B28%Noninterest $628.8BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 30.2% share · #1 of 151 inst. · $882.0B of $2921.1B

42.1% New York
48.2% Harris
15.9% Cook
47.4% Wayne

Executive Summary

  • Earnings: ROA of 1.59%, up 16 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.78% of loans (-10 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 7.49%, down 24 bps from a year ago.
  • Funding: loans stand at 70.13% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.59%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.49%-10 bps YoY

Efficiency Ratio (YTD, annualized)

54.38%+196 bps YoY

Tier 1 Leverage Ratio

7.49%-24 bps YoY

NIM

4.87%Q2 ’244.43%Q2 ’254.14%Q2 ’26-5%-4%

Non-interest income vs. expense

2.46%Q2 ’242.32%Q2 ’252.39%Q2 ’26-30%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.50%1.43%1.42%1.39%1.34%1.44%1.59%+16 bps
Return on Equity17.28%16.95%16.15%16.26%15.88%15.32%16.64%18.55%+229 bps
Net Interest Margin2.70%2.69%2.69%2.59%2.58%2.57%2.58%2.49%-10 bps
Efficiency Ratio54.13%53.64%51.93%52.42%52.47%52.37%54.72%54.38%+196 bps
Non-Interest Burden0.68%0.67%0.51%0.50%0.51%0.52%0.56%0.49%0 bps
Growth
Asset Growth (YoY)5.86%1.89%3.99%7.92%6.40%8.48%10.25%7.99%+7 bps
Loan Growth (YoY)2.59%2.17%3.70%7.02%7.81%10.12%11.09%9.39%+237 bps
Deposit Growth (YoY)0.56%0.23%1.75%6.18%4.15%6.13%5.37%4.40%-179 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.87%0.84%0.88%0.90%0.86%0.85%0.78%-10 bps
Net Charge-Offs / Loans0.61%0.63%0.68%0.66%0.67%0.66%0.61%0.60%-6 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.04%7.90%7.91%7.74%7.85%7.83%7.63%7.49%-24 bps
Total Risk-Based Capital17.36%17.22%16.92%16.76%16.88%16.48%16.25%16.21%-54 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits66.58%66.57%65.23%66.93%68.92%69.08%68.77%70.13%+320 bps
Liquid Assets / Assets8.08%7.67%7.03%6.63%7.45%6.97%6.60%6.40%-23 bps
CRE / Total Capitaln/an/an/an/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

Jpmorgan Chase Bank, National Association

Columbus, OH · Cert 628 · Peer group: banks over $10B in assets (n=142-144) · Jpmorgan Chase&Co

National charter · OCC · 1 affiliate bank · 5,141 branches (5,142 in holding)

Q2 2026

$4091.3BAssets
$1561.6BLoans
$2226.8BDeposits
$341.6BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks over $10B in assets (rank 17 of 144).
  • Widest gap: net interest margin trails 88% of banks over $10B in assets (rank 127 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 39 of 144

Net Interest Margin

2.49%

Rank 127 of 144

Efficiency Ratio

54.48%

Rank 63 of 144

Equity / Assets

8.35%

Rank 126 of 144

Non-interest income vs. expense

$77.4B$97.6BINCOMEEXPENSE
Unfavorable gap of $20.2B · efficiency ratio beats 57% of banks over $10B in assets
Bank 54.48%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%1.00%1.26%1.54%Beats 73%39 / 144
Return on Equity18.35%8.98%11.34%14.40%Beats 88%17 / 144
Net Interest Margin2.49%2.82%3.31%3.68%Beats 12%127 / 144
Efficiency Ratio54.48%49.42%56.02%62.41%Beats 57%63 / 144
Asset Quality
Nonperforming Loans / Loans0.78%0.48%0.73%1.07%Beats 46%77 / 142
Net Charge-Offs / Loans0.38%0.05%0.11%0.22%Beats 16%120 / 142
Capital
Tier 1 Capital Ratio15.03%12.07%12.98%14.92%Beats 76%34 / 144
Total Risk-Based Capital Ratio16.21%13.39%14.14%16.25%Beats 74%38 / 144
Equity / Assets8.35%9.69%11.39%12.96%Beats 13%126 / 144
Liquidity & Funding
Loans / Deposits70.13%75.72%84.92%91.56%17th pctl119 / 143
Loans / Assets38.17%59.83%69.07%74.80%7th pctl134 / 144
Brokered Deposits / Depositsn/aNot reported for this institution