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Martha's Vineyard Bank

Edgartown, MA · Cert 90190 · Vineyard Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$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 $1B-$10B in assets (n=322 to 328). 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

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

Martha's Vineyard Bank

Edgartown, MA · Cert 90190 · Vineyard Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$147.2MEquity
Loan mix
98%RE $1.1B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $793.6M26%Noninterest $274.5MQ2 2025Q2 2026

NIM

4.03%Q2 ’244.11%Q2 ’254.25%Q2 ’26+20%+17%

Non-interest income vs. expense

2.29%Q2 ’242.27%Q2 ’252.61%Q2 ’26+0%+15%

Market Position · Barnstable Town, MA · 2026 SOD (annual) · 1.1% share · #10 of 11 inst. · $0.1B of $11.8B

68.2% Dukes
1.1% Barnstable

Executive Summary

  • Earnings: ROA of 0.65%, up 13 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.09% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.75%, up 47 bps from a year ago.
  • Funding: loans stand at 105.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+43 bps YoY

Efficiency Ratio (YTD, annualized)

75.21%-148 bps YoY

Tier 1 Leverage Ratio

11.75%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.59%0.66%0.65%0.65%+13 bps
Return on Equity5.05%5.65%6.22%5.83%5.89%+84 bps
Net Interest Margin2.47%2.60%2.69%2.91%2.90%+43 bps
Efficiency Ratio76.70%74.96%74.58%75.89%75.21%-148 bps
Non-Interest Burden1.78%1.81%1.87%2.08%2.04%+26 bps
Growth
Asset Growth (YoY)-1.82%-1.35%-1.88%0.47%1.03%+286 bps
Loan Growth (YoY)-2.18%-0.69%-1.63%-0.71%-0.45%+173 bps
Deposit Growth (YoY)3.35%5.38%0.65%1.36%0.97%-238 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.54%0.07%0.07%0.09%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.78%0.78%0.79%0.79%0.79%+1 bps
Allowance Coverage of NPLs18.1x1.5x11.5x11.7x9.2x-8.9x
Capital
Tier 1 Leverage Ratio11.28%11.55%11.55%11.86%11.75%+47 bps
Total Risk-Based Capital11.28%11.55%11.55%11.86%11.75%+47 bps
Equity / Assets10.49%10.90%11.07%11.16%11.09%+60 bps
Liquidity & Funding
Loans / Deposits107.05%102.25%107.78%107.17%105.55%-150 bps
Liquid Assets / Assets1.30%0.48%0.14%0.76%1.06%-24 bps
CRE / Total Capitaln/a192.72%186.82%187.88%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

Martha's Vineyard Bank

Edgartown, MA · Cert 90190 · Peer group: banks $1B-$10B in assets (n=322-328) · Vineyard Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$147.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets (rank 32 of 322).
  • Widest gap: return on equity trails 90% of banks $1B-$10B in assets (rank 294 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.64%

Rank 292 of 328

Net Interest Margin

2.90%

Rank 266 of 328

Efficiency Ratio

75.21%

Rank 293 of 328

Equity / Assets

11.09%

Rank 125 of 328

Non-interest income vs. expense

$7.5M$34.4MINCOMEEXPENSE
Unfavorable gap of $27.0M · efficiency ratio beats 11% of banks $1B-$10B in assets
Bank 75.21%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.91%1.22%1.52%Beats 11%292 / 328
Return on Equity5.79%8.43%11.45%14.43%Beats 10%294 / 328
Net Interest Margin2.90%3.03%3.45%3.83%Beats 19%266 / 328
Efficiency Ratio75.21%51.61%59.56%67.53%Beats 11%293 / 328
Asset Quality
Nonperforming Loans / Loans0.09%0.24%0.51%1.03%Beats 89%38 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 90%32 / 322
Capital
Tier 1 Capital Ratio11.75%11.75%13.15%15.47%Beats 25%246 / 328
Total Risk-Based Capital Ratio11.75%12.63%14.15%16.46%Beats 16%275 / 328
Equity / Assets11.09%9.15%10.33%12.01%Beats 62%125 / 328
Liquidity & Funding
Loans / Deposits105.55%76.63%87.92%95.36%93rd pctl23 / 323
Loans / Assets84.89%65.18%74.15%79.98%91st pctl31 / 328
Brokered Deposits / Depositsn/aNot reported for this institution