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Comerica Bank

Dallas, TX · Cert 983

FDIC · 354 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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=136 to 137). 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

22

Q2 2024Q4 2025peer median (50)

Asset Quality

71

Q2 2024Q4 2025peer median (50)

Profitability

45

Q2 2024Q4 2025peer median (50)

Liquidity

76

Q2 2024Q4 2025peer median

Efficiency

12

Q2 2024Q4 2025peer 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

Comerica Bank

Dallas, TX · Cert 983

FDIC · 354 branches

Q4 2025

$80.1BAssets
$50.9BLoans
$65.9BDeposits
$7.2BEquity
Loan mix
46%RE $21.6B53%C&I $24.5B1%Consumer $0.5BQ1 2024Q4 2025
Deposit mix
65%Interest-bearing $42.8B35%Noninterest $23.1BQ1 2024Q4 2025

Market Position · Detroit-Warren-Dearborn, MI · 2025 SOD (annual) · 17.4% share · #2 of 39 inst. · $32.8B of $188.7B

29.4% Wayne
7.7% Oakland
1.8% Los Angeles
3.0% Santa Clara

Executive Summary

  • Earnings: ROA of 0.98%, up 6 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.50% of loans (-19 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.56%, up 9 bps from a year ago.
  • Funding: loans stand at 77.30% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.98%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+13 bps YoY

Efficiency Ratio (YTD, annualized)

68.55%-95 bps YoY

Tier 1 Leverage Ratio

10.56%+9 bps YoY

NIM

4.79%Q4 ’234.82%Q4 ’244.59%Q4 ’25-5%+5%

Non-interest income vs. expense

2.73%Q4 ’232.82%Q4 ’242.88%Q4 ’250%+3%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.74%0.90%0.92%0.92%0.92%0.99%0.97%0.98%+6 bps
Return on Equity10.98%13.14%12.62%12.50%11.33%11.93%11.55%11.53%-96 bps
Net Interest Margin2.66%2.74%2.71%2.77%2.93%2.95%2.93%2.90%+13 bps
Efficiency Ratio75.06%70.75%69.91%69.50%70.08%67.74%68.35%68.55%-95 bps
Non-Interest Burden1.74%1.58%1.52%1.53%1.67%1.58%1.59%1.58%+4 bps
Growth
Asset Growth (YoY)-12.87%-12.38%-7.06%-7.65%-2.28%-1.97%-2.99%0.91%+856 bps
Loan Growth (YoY)-7.44%-6.99%-5.43%-3.03%-1.71%-1.36%0.66%0.33%+336 bps
Deposit Growth (YoY)-2.15%-5.92%-6.19%-4.59%-3.38%-3.67%-0.68%1.57%+616 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.46%0.53%0.69%0.62%0.59%0.53%0.50%-19 bps
Net Charge-Offs / Loans0.11%0.10%0.09%0.10%0.21%0.21%0.22%0.17%+7 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 Ratio9.44%10.18%10.38%10.47%10.65%10.60%10.40%10.56%+9 bps
Total Risk-Based Capital12.90%13.09%13.53%13.45%13.53%13.38%13.20%13.50%+4 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits78.65%81.86%78.94%78.25%80.00%83.82%80.01%77.30%-96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 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

Comerica Bank

Dallas, TX · Cert 983 · Peer group: banks over $10B in assets (n=136-137)

FDIC · 354 branches

Q4 2025

$80.1BAssets
$50.9BLoans
$65.9BDeposits
$7.2BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of banks over $10B in assets (rank 40 of 136).
  • Widest gap: efficiency ratio trails 88% of banks over $10B in assets (rank 122 of 137).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.97%

Rank 86 of 137

Net Interest Margin

2.90%

Rank 86 of 137

Efficiency Ratio

68.55%

Rank 122 of 137

Equity / Assets

9.04%

Rank 108 of 137

Non-interest income vs. expense

$1.1B$2.4BINCOMEEXPENSE
Unfavorable gap of $1.3B · efficiency ratio beats 12% of banks over $10B in assets
Bank 68.55%Peer median 57.0%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.97%0.87%1.13%1.38%Beats 37%86 / 137
Return on Equity10.68%7.29%10.18%12.34%Beats 60%55 / 137
Net Interest Margin2.90%2.65%3.06%3.38%Beats 37%86 / 137
Efficiency Ratio68.55%50.38%56.96%62.80%Beats 12%122 / 137
Asset Quality
Nonperforming Loans / Loans0.50%0.45%0.72%1.07%Beats 71%40 / 136
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.80%12.02%13.11%15.25%Beats 17%114 / 137
Total Risk-Based Capital Ratio13.50%13.37%14.61%16.44%Beats 27%100 / 137
Equity / Assets9.04%9.50%11.20%12.98%Beats 21%108 / 137
Liquidity & Funding
Loans / Deposits77.30%74.10%82.24%90.33%31st pctl94 / 136
Loans / Assets63.61%58.67%68.68%74.63%35th pctl89 / 136
Brokered Deposits / Deposits6.19%0.46%3.82%8.33%Beats 39%85 / 137