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Letter portraitLegal landscapeQuarterYTD

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