Comerica Bank

Dallas, TX · Cert 983

FDIC · 354 branches

Q4 2025

$80.1BAssets

$50.9BLoans

$65.9BDeposits

$7.2BEquity

Loan mix

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	YoY Δ	Trend
Earnings
Return on Assets	0.92%	0.92%	0.99%	0.97%	0.98%	+6 bps
Return on Equity	12.50%	11.33%	11.93%	11.55%	11.53%	-96 bps
Net Interest Margin	2.77%	2.93%	2.95%	2.93%	2.90%	+13 bps
Efficiency Ratio	69.50%	70.08%	67.74%	68.35%	68.55%	-95 bps
Non-Interest Burden	1.53%	1.67%	1.58%	1.59%	1.58%	+4 bps
Growth
Asset Growth (YoY)	-7.65%	-2.28%	-1.97%	-2.99%	0.91%	+856 bps
Loan Growth (YoY)	-3.03%	-1.71%	-1.36%	0.66%	0.33%	+336 bps
Deposit Growth (YoY)	-4.59%	-3.38%	-3.67%	-0.68%	1.57%	+616 bps
Asset Quality
Nonperforming Loans / Loans	0.69%	0.62%	0.59%	0.53%	0.50%	-19 bps
Net Charge-Offs / Loans	0.10%	0.21%	0.21%	0.22%	0.17%	+7 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	10.47%	10.65%	10.60%	10.40%	10.56%	+9 bps
Total Risk-Based Capital	13.45%	13.53%	13.38%	13.20%	13.50%	+4 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	78.25%	80.00%	83.82%	80.01%	77.30%	-96 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a