INVESTOR CALL
FY26 Q3
April 28, 2026
FINANCIAL HIGHLIGHTS
Q3 F'29 | 'TD F'29 | |
Total Loan Volume | $344.7 million | $1.56 billion |
Total Loans, including loans held for sale at March 31, 2026 | $4.56 billion | $4.56 billion |
Net Increase in Loans | $121.5 million (2.7%) | $769.5 million (20.3%) |
National Lending: | ||
Purchased Loans | $25.3 million invested on $25.9 million of UPB(1) (97.6% purchase price) | $702.8 million invested on $754.1 million of UPB(1) (93.2% purchase price) |
Originated Loans(2) | $253.9 million | $640.1 million |
Weighted Average Rate at origination | 7.2% | 7.5% |
SBA Loans Originated | $38.5 million | $120.3 million |
SBA Loans Sold | $33.0 million $2.9 million | $110.9 million |
Gain on Sale of Loans | $9.2 million | |
Insured Small Balance Business Loans Originated | $27.0 million | $97.2 million |
Net Interest Margin | 5.15% | 4.76% |
Total Return on Purchased Loans(3) | 9.51% | 8.68% |
Net Income | $29.9 million | $73.1 million |
Net Proceeds from Share Issuances | No activity | No activity |
Availability under At-the-Market Offering | $65.4 million | $65.4 million |
Loan Capacity as of 3/31/2026 | $1.18 billion | $1.18 billion |
EPS Basic (Diluted) | $3.59 ($3.53) | $8.81 ($8.67) |
Return on Equity | 21.67% | 18.36% |
Return on Assets | 2.43% | 2.15% |
Tangible Book Value per Share(4) | $66.35 | $66.35 |
Unpaid principal balance.
National Lending originations for Q3 FY26 were 100% variable rate, of which 18% were Prime-rate based and 82% were SOFR-based. National Lending originations for YTD FY26 were 100% variable rate, of which 25% were Prime-rate based and 75% were SOFR-based.
The total return on purchased loans represents scheduled accretion, accelerated accretion, gains (losses) on real estate owned, release of allowance for credit losses on purchased loans, and other noninterest income recorded during the period divided by the average invested balance on an annualized basis. The total return on purchased loans does not include the effect of purchased loan charge-offs or recoveries during the period. Total return on purchased loans is considered a non-GAAP financial measure.
Tangible book value per share represents total shareholders' equity less the sum of preferred stock and intangible assets divided by common shares outstanding.Tangible book value
per share is considered a non-GAAP financial measure. 3
OUR STRATEGY
4
Northeast Bank is a national commercial real estate and small business lender and Maine community bank with over 150 years of experience.
Strong returns
3-Year Avg ROE of 18.3% and ROA of 2.1%
3-Year Loan Growth of 80.9%
3-Year Small business originations of $718.5 million and sales of $481.8 million
3-Year Avg NIM of 4.9%
7 Branches
3-Year Core Deposit Growth of 42.3%
Purchased Commercial Real Estate Lending
Originated Commercial Real Estate Lending
Retail Banking
Small Business Lending
(1) Three year averages are calculated using the current fiscal year-to-date and preceding two fiscal years.
5
EARNINGS THAT SCALE
EPS (Diluted)
s1 2.00
s1 0.08
20.0%
RO E
1 9.0%
1 8.N%
s1 0.00 s8.00 s9.00 sN.00 s2.00
s-
sU.99
s7.U8
s8.97
1 U.0%
1 0.0%
1 9.U%
1 7.U%
s70.00
F' 23 F' 2N F' 2U F' 29
(Q 3 'TD)
Tangible Book Value per Share
s99.3U
U0.0%
F' 23 F' 2N F' 2U F' 29
(Q 3 'TD)
Efficiency Ratio (1 )
NU.9%
s90.00 sU0.00 sN0.00
s38.99
sN9.3N
sU7.98
N0.0%
30.0%
20.0%
N1 .8%
39.8%
38.7%
s30.00
923022023 92302202N 92302202U 3231 22029
F' 23 F' 2N F' 2U F' 29
(Q 3 'TD)
(1) Efficiency ratio represents noninterest expense divided by the sum of net interest income (before the credit loss provision) plus noninterest income. Efficiency ratio is
considered a non-GAAP financial measure. 6
NATIONAL LENDING DIVISION THE GROWTH ENGINE
s2,000
s1 ,U00
s1 ,872 sUU7
s1 ,31 U
s1 ,7UN s808
s1 ,39N s9N0
Millions
s1 ,000
sU00
s832 s399
sN32
s9N9
s7UN
s0
F' 23 F' 2N F' 2U F' 29
(Q 3 'TD)
Purchases (UPB) Originations (UPB)7
FEE INCOME DIFFERENTIATION THROUGH SMALL BUSINESS LENDING
sU00
sN00
sN08.U
$23.2
s2U.0
s20.0
Millions
s300
s308.8
s1 U.0
s200
s1 00
s0
s1 U.9 s1 2.0
$0.6
s92.U
s92.2
$3.3
Millions
$9.2
s1 20.3s1 1 0.9
s97.2
s1 0.0
sU.0
s-
F' 23 F' 2N F' 2U F' 29
(Q 3 'TD )(1)
SBA 7(a) Loans Funded SBA 7(a) Loans Sold Insured Small Balance Business Loans Funded Gain on Sale of Loans(1) SBA loan volumes have decreased during FY 26 as a result of the SBA SOP changes implemented on June 1, 2025, which lengthened the origination time as well as the government shutdown that lasted from October 1, 2025 through November 12, 2025.
8
LOAN MIX
sU,000
Community Bank Small Business National Lending Originated (1) National Lending Purchaseds233.1
s1 ,2U1 .8
s1NU.0
s18.3
sN8.N s22.7
s981 .U
s2N.9
s27.U
s1 ,U01 .1
s1 ,N80.1
s987.8
s1 ,708.9
s2,37U.2
s2,81 0.9
sN,U90
sN,000
s3,790
Millions
s3,000
s2,000
s2,U20
s2,791
s1 ,000
s0
923022023 92302202N 92302202U 3231 22029
s1N.9
(1) 99.6% of the National Lending Originated portfolio had a floor, with a weighted average floor of 7.23% as of March 31, 2026.
Note: Includes loans held for sale.
9
FUNDING MIX
sU,000
sN,000
Millions
s3,000
s2,000
s2,2N8
s2,98U
$596
$144
$278
$919
$311
$345
$1,306
s3,999
$2,244
sN,371
$720
$320
$2,506
s1 ,000
$732
$155
$76
$880
$93
$899
$147
$159
s- $171
923022023 92302202N 92302202U 3231 22029
Demand Savings and interest checking Money market Time Borrowings10
EFFECTIVE COST MANAGEMENT
s2U0.0
s200.0
Millions
s1 U0.0
45.6%
s9N.9
sU9.U
s1 2N.0
41.8%
36.8%
s1 UN.U
s21 2.8
s1 71 .3
s78.N
38.7%
50.0%
45.0%
40.0%
s1 00.0
sU0.0
s99.3
35.0%
30.0%
s0.0
F' 23 F' 2N F' 2U F' 29 (Q 3 'TD)
25.0%
Total Revenue Non interest Expense Efficiency Ratio(1) Total Revenue includes net interest income before credit loss provision (credit) and noninterest income.
11
QUARTERLY RESULTS
12
NET INCOME BY TRAILING 5 QUARTERS
s3U,000
s30,000
s29,8U3
Thousands
s2U,000 s20,000
s1 8,981
s2U,21 U
s22,UN1
s20,7N0
s1 U,000
s1 0,000
sU,000
s0
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
13
NET INTEREST INCOME BY TRAILING 5 QUARTERS
s1 20,000
s1 00,000
s80,000
s80,829
s89,993
s83,207 s8N,087
s1 01 ,871
Thousands
s90,000
sN0,000
sNU,9U1 s3N,87U
sU3,931
s3U,792
sN8,1 92 s3U,01 U
sN8,801 s3U,289
s93,073
s38,798
s20,000
s-
s993
s7,892
s2,999
s2,779
s7,U99
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
Interest and Dividend Income Interest ExpenseNet Interest Income, before provision for credit losses Transactional Interest Income
14
LOAN PERFORMANCE & AVERAGE LOAN BALANCE BY TRAILING 5 QUARTERS
Loan Performance Average Loan Balance
1 1 .00%
1 0.00%
9.00%
8.73%
9.9U%
8.93%
8.03%
9.U1 %
sU,000
s2,388
s2,31 1
s2,N1 U
s2,828
s2,N23
s1 ,39N
s1 ,292
s1 ,3NN
s1 ,N7N
s1 ,9N8
sN,000
8.00%
7.00%
9.00% U.00% N.00%
8.79%
8.N3%
U.1 0%
N.92%
8.21 % 8.1 9%
N.U9% N.N9%
7.72%
U%
s3,000
Millions
s2,000
s1 ,000
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
NIM
Originated Loan Yield (National Lending) Purchased Loan Return (National Lending)
s-
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
Purchased Originated (1)Balances include loans held for sale.
15
LOAN PORTFOLIO SUMMARYLoan Portfolio
# of Loans
Total Balance
Average Balance
WA LTV (2)
Dollars in thousands
National Lending Division:
Purchased Loans (1)
3,468
$ 2,810,887
$ 811
54%
Direct Originated Loans
92
604,800
6,574
53%
Lender Finance Loans
123
896,280
7,287
45%
SBA Loans (3)
5,577
123,208
22
Community Banking Division
292
14,637
50
43%
Total
9,UU2
s N,NN9,812
s N90
U2%
Total balance of $2.81 billion is equal to unpaid principal balance of $2.96 billion, net of $153.8 million purchased loan rate mark discount.
LTV is calculated as the book balance of the loan, prior to any ACL, divided by the value of the underlying real estate collateral.
Balance does not reflect the guaranteed portion of $15.1 million included in loans held for sale. Average balance reflects the unguaranteed, unsold portion on the Bank's balance sheet. SBA Loans are collateralized by UCC filings on all business assets of borrowers.
All data as of March 31, 2026, unless otherwise noted.
16
NATIONAL LENDING PORTFOLIO ROLL FORWARD - LINKED QUARTER
54,750
54,500
54,250
$4,000
53,750
53,500
$253.9
525.3
54,213.5
$(J 09.4)
S(71.4)
$4,312.0
53250
Balance at 1 2751 US 0 riginations 0 riginated R un-off
(1 )
Purchases Purchased R un-0 ff Balance at
(1 ) 375172026
(1) Run-off includes scheduled amortization, principal pay downs and payoffs.
NOrtneast
B A N K 17
SMALL BUSINESS LENDING BY TRAILING 5 QUARTERS
Thousands
s1 U0,000 s1 00,000
s1 21 ,333
s73,90U
Loan Originations and Sales
s1 0N,N98
s1 07,U8U
sU2,7NU
s70,91 0
sU0,000 sN1 ,979 s39,802 s38,N8sN33,032
s2U,090
s0
s27,020
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
SBA 7a Loans Funded SBA 7a Loans Sold Insured Small Balance Business Loans FundedG ain on sale (Thousands)
s1 0,000
sU,000
s9,01 N
Gain on Sale of Loans and Yield
9.8N%
s8,2NN
9.93%
1 0.32%
sN,1 38
1 1 .U8%
1 1 .1 8%
s2,90U
s2,1 29
9.30% 8.99%
1 2.00%
'ield
1 0.80%
9.90%
s0
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
8.N0%
Gain on sale of loans - SBA 7a SBA 7a Loans Yield Insured Small Balance Business Loans Yield18
ASSET QUALITY METRICS
NPAs & NPLs Classified Commercial Loans(1)
1 .U0%
1 .00%
0.U0%
- %
0.UU%0.92%
1 .03%
0.93%
0.90% 0.83% 0.78%
0.98%
sN0.0 s30.0 s20.0
Millions
s1 0.0
s1 N.7
s2N.0
s32.1
s29.3
923022023 92302202N 92302202U 3231 22029
NPAs/ Assets NPLs/ Loanss-
923022023 92302202N 92302202U 3231 22029
Allowance for Credit Losses / Gross Loans NCOs / Average Loans(2)(3)
0.30%
1 .U0%
1 .00%
0.U0%
0.97%
0.29%
1 .28% 1 .39%
0.20%
0.1 0%
- %
0.1 N%
0.0N%
0.23%
0.09%
0.1 1 %
- %
0.01 %
- %
923022023 92302202N 92302202U 3231 22029
923022023 92302202N 92302202U 3231 22029
National Lending & Community Bank Small BusinessClassified loans includes commercial real estate and commercial and industrial loans risk rated substandard or worse under the Bank's internal loan rating system. These amounts are net of rate mark discount.
Calculated as year-to-date net charge-offs divided by average loans for the same period.
Upon the adoption of CECL, the previously designated non-accretable discount is added to the carrying basis of the loan, with an offsetting allowance. For the years ended June 30, 2024 and June 30, 2025, such charged-off discount was 15 basis points and 1 basis point, respectively. This component does not represent a loss of invested dollars.
19
DEPOSIT PORTFOLIO CHANGES
By Channels | March 31, 2029 | June 30, 202U | Net Change | ||||||||||||||
Dollars in thousands | Balance | WAR | Mix | Balance | WAR | Mix | Balance | % | WAR | ||||||||
Retail | |||||||||||||||||
Banking Centers | $ 1,166,979 | 3.09 % | 32 % | $ 1,051,192 | 3.29 % | 31 % | $ 115,787 | 11 % | (0.20)% | ||||||||
Government Banking | 548,991 | 3.46 % | 15 % | 523,340 | 4.10 % | 16 % | 25,651 | 5 % | (0.64)% | ||||||||
National Lending | 49,633 | 0.56 % | 1 % | 51,436 | 0.69 % | 2 % | (1,803) | (4)% | (0.13)% | ||||||||
ableBanking | 24,072 | 2.73 % | 1 % | 43,966 | 3.41 % | 1 % | (19,894) | (45)% | (0.68)% | ||||||||
Corporate2Institutional | 44,382 | 3.38 % | 1 % | 57,004 | 4.24 % | 2 % | (12,622) | (22)% | (0.86)% | ||||||||
Holdback Accounts | 66,562 | 0.03 % | 2 % | 52,804 | 0.04 % | 2 % | 13,758 | 26 % | (0.01)% | ||||||||
Brokered Deposits | 1,750,562 | 3.96 % | 48 % | 1,595,857 | 4.11 % | 47 % | 154,705 | 10 % | (0.15)% | ||||||||
Grand Total | s3,9U1,181 | 3.N7 % | s3,37U,900 | 3.73 % | s27U,U81 | 8 % | (0.29)% | ||||||||||
By Products | March 31, 2029 | June 30, 202U | Net Change | ||||||||||||||
Dollars in thousands | Balance | WAR | Mix | Balance | WAR | Mix | Balance | % | WAR | ||||||||
Checking | $ 794,091 | 2.76 % | 22 % | $ 778,452 | 3.23 % | 23 % | $ 15,639 | 2 % | (0.47)% | ||||||||
Savings | 208,836 | 2.17 % | 6 % | 208,035 | 2.80 % | 6 % | 801 | - % | (0.63)% | ||||||||
Money Market | 75,643 | 1.72 % | 2 % | 92,716 | 2.26 % | 3 % | (17,073) | (18)% | (0.54)% | ||||||||
Certificate of Deposit | 2,506,049 | 3.95 % | 69 % | 2,243,594 | 4.14 % | 66 % | 262,455 | 12 % | (0.19)% | ||||||||
Holdback Accounts | 66,562 | 0.03 % | 2 % | 52,804 | 0.04 % | 2 % | 13,758 | 26 % | (0.01)% | ||||||||
Grand Total | s3,9U1,181 | 3.N7 % | s3,37U,900 | 3.73 % | s27U,U81 | 8 % | (0.29)% | ||||||||||
20
QUARTERLY COST OF DEPOSITS BY TRAILING 5 QUARTERS
N.00%
3.92% 3.93% 3.90%
3.7U%
3.U0%
3.92%
3.UU%
3.N7%
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
Average Cost of Deposits by Quarter Cost of Deposits at Quarter-end
QUARTERLY COST OF FUNDS BY TRAILING 5 QUARTERS(1)N.00% 3.7U%
3.9N% 3.89%
3.83%
3.99%
3.92%
3.U0%
3.UU%
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
Average Cost of Funds by Quarter Cost of Funds at Quarter-end
(1) Includes borrowings
21
NON-INTEREST EXPENSE BY TRAILING 5 QUARTERS
s2U
s20
s20.1
s7.7
s21 .U s21 .9
s20.8
s23.9
3N.3%
s1 2.7
s1 2.U
s1 3.0
s8.U
N0.1 %
s8.3
s9.2 N1 .N%
s8.8
3U.U%
s1 N.8
Efficiency Ratio
NN.0% N2.0%
Millions
s1 U
s1 0
sU
s0
38.3%
s1 2.U
Q 3 F'2U Q N F'2U Q 1 F'29 Q 2 F'29 Q 3 F'29
N0.0% 38.0%
39.0%
3N.0%
32.0%
Personnel Expense Non-personnel Expense Efficiency Ratio22
CAPITAL STRENGTH | |||||
32312202U | 92302202U | 92302202U | 122312202U | 323122029 | |
Tier 1 Leverage (1) | 11.5% | 11.6% | 12.2% | 12.2% | 11.4% |
Tier 1 Capital (1) | 12.7% | 13.4% | 13.9% | 12.5% | 12.9% |
Total Capital (1) | 14.0% | 14.7% | 15.1% | 13.7% | 14.2% |
Purchased loans to Total Loans | 65.3% | 63.2% | 64.1% | 65.7% | 63.2% |
Total Loans to Deposits | 112.1% | 109.9% | 114.0% | 112.2% | 120.2% |
NOO CRE to Total Capital | 521.5% | 486.1% | 470.0% | 533.2% | 509.1% |
TBV per share ($) | $54.84 | $57.98 | $59.99 | $62.65 | $66.35 |
(1) Denominator for Tier 1 Leverage ratio is average quarterly assets. Denominator for Tier 1 Capital and Total Capital ratio is risk-weighted assets (ending balance).
23
APPENDIX
24
NATIONAL LENDING LOAN PORTFOLIO STATISTICS
Investment Size(1)
s1 U+ million 22%
s1 0-1 U million 1 N%
s9-1 0 million
1 7%
s 0-2 million
21 %
s2-9 million 29%
Collateral State (48 States)
All O ther 1 9%
IL 1 %
TX 2%
WA 2%
Collateral Type
FL 3%
Mixed Use 1 0%
Multifamily 1 8%
Lender Finance 20%
Industrial 9%
O ffice 9%
Hospitality U%
O ther CRE
N%
All O ther U%
Retail(2) 20%
NJ 7%
CA 20%
N' N9%
(1) Average investment size of $1.2 million/loan; originated average: $6.9 million/loan and purchased average: $810 thousand/loan.
(2) Includes traditional and non-traditional retail, such as restaurants and gas stations.
All data as of March 31, 2026, unless otherwise noted. 25
NATIONAL LENDING PORTFOLIO BY COLLATERAL TYPE
Collateral Type | Direct Originated | Lender Finance | Purchased | Total National Lending | ||||
Dollars in thousands | Balance | WA LTV (1) | Balance WA LTV (1) | Balance WA LTV (1) | Balance WA LTV (1) | |||
1-N Family | $ 27,204 | 47% | $ 118,869 | 43% | $ 63,837 | 57% | $ 209,910 | 48% |
Hospitality | 149,397 | 56% | 92,348 | 44% | 75,494 | 49% | 317,239 | 51% |
Industrial | 31,019 | 48% | 44,623 | 45% | 370,241 | 47% | 445,883 | 47% |
Land and Construction | 25,506 | 42% | 34,857 | 31% | 6,997 | 42% | 67,360 | 36% |
Mixed Use | 37,787 | 59% | 141,024 | 47% | 383,286 | 62% | 562,097 | 58% |
Multi Family | 104,133 | 55% | 148,374 | 45% | 749,654 | 52% | 1,002,161 | 51% |
Office | 124,456 | 49% | 67,657 | 44% | 261,944 | 50% | 454,057 | 49% |
Retail | 76,609 | 54% | 60,709 | 46% | 841,103 | 55% | 978,421 | 54% |
Small Balance Commercial | 28,689 | 66% | 187,819 | 46% | 58,331 | 72% | 274,839 | 54% |
Total | s 90N,800 | U3% | s 899,280 | NU% | s 2,810,887 | UN% | s N,311,997 | U2% |
(1) LTV is calculated as the book balance of the loan, prior to any ACL, divided by the value of the underlying commercial real estate collateral.
All data as of March 31, 2026, unless otherwise noted.
26
NATIONAL LENDING PORTFOLIO - WEIGHTED AVERAGE LTV BY BUCKET
WA LTV | |||||||
National Lending Portfolio | <> | N0-N9% | U0-U9% | 90-99% | 70-79% | >=80% | Total |
Dollars in thousands | |||||||
Direct Originated Loans (1) | $ 48,986 | $ 210,038 | $ 135,452 | $ 149,716 | $ 52,278 | $ 8,330 | $ 604,800 |
Lender Finance Loans (1) | 332,688 | 141,214 | 296,737 | 125,641 | - | 896,280 | |
Purchased Loans (1) | 750,115 | 341,177 | 410,540 | 742,511 | 404,809 | 161,735 | 2,810,887 |
Total | s 1,131,789 | s 992,N29 | s 8N2,729 | s 1,017,898 | s NU7,087 | s 170,09U | s N,311,997 |
% of Total | 29 % | 19 % | 20 % | 2N % | 11 % | 3 % | 100 % |
LTV is calculated as the book balance of the loan, prior to any ACL, divided by the value of the underlying commercial real estate collateral.
All data as of March 31, 2026, unless otherwise noted.
27
NATIONAL LENDING ORIGINATED PORTFOLIO - INTEREST RESERVE ANALYSISLender Finance
Dollars in thousands
Balance
% with Interest Reserves
Interest Reserve WA Duration
WA Advance Rate(1)
WA LTV(2)
Total Loans
$ 896,280
60%
45%
Loans with Interest Reserves
645,726
72%
4.3 Months
Direct Originated Loans
Dollars in thousands
Balance
% with Interest Reserves
Interest Reserve WA Duration
WA LTV(2)
Total Loans
$ 604,800
53%
Loans with Interest Reserves
418,533
69%
5.9 Months
Weighted Average Advance Rate utilizes original balance and real estate value at the time of origination
LTV is calculated as the book balance of the loan, prior to any ACL, divided by the value of the underlying commercial real estate collateral.
All data as of March 31, 2026, unless otherwise noted.
28
NATIONAL LENDING PURCHASED PORTFOLIO - FURTHER ANALYSIS
Portfolio Origination Year
Dollars in thoo | end | Pre-20lZ | 2013-2018 | 2019-2021 | 2022 and later | Total |
Current Basis | I23l,S88 | 1895,398 | Il,Oll,88S | I672,Ol7 | $2,810,887 | |
# of Loans | 805 | 1,676 | 746 | 242 | 3,469 | |
% of Portfolio Seasoning (Years) | 18.4 | 94 | s | O.6 | lOOO/O 5.2 | |
OriginaI PrincipaI Balance | I585,47l | 11,394,667 | 11,262,893 | I75l,348 | $3,994,379 | |
Current Principal Balance | 243124 | 938112 | 1,074,561 | 708,895 | 2,964,692 | |
% PrincipaI Paid Down Since Purchase | 26% | |||||
Current Basis / OriginaI PrincipaI | 8O/ | 89/ | 7OOJ0 | |||
All data as of March 31, 2026, unless otherwise noted.
NOrtneast
B A N K 29
Total Loan Balances at | Total Reserves at | ACL / Total Loans | Total Reserves at | ACL / Total Loans at ACL / Total Loans | ||
March 31, 2026 | March 31, 2026 | at March 31, 2026 | December 31, 2025 | December 31, 2025 at March 31, 2O25 2025 | ||
Coffers in thousands | ||||||
NationaI Lending Purchased | laS7OS | $S2S2O | ||||
NationaI Lending Originated | 5610 | |||||
SBA | 123.206 | 7.76O | S.487 | ?736 | ||
Community Bank | 14.637 | 116 | 0.61/ | |||
Total Loans | $60,313 | 1.36% | 86Z,813 | $46,024 | 1.23Y‹ | |
Lending Division
Total Reserves at March 31,
Loan balances are net of deferred fees and costs.
NOrtneast
B A N K 30
PURCHASED LOAN INVESTMENT BASIS AND DISCOUNT BY TRAILING 5 QUARTERS
$3,500
$3,000
$2,500
$36.4
$52.5
$181.1
$45.7
$153.8
$37.7
$194.6
Millions
$2,000
$171.5
$36.7
$179.1
$2,810.9
$2,856.9
$1,500
$2,443.8
$2,375.2
$2,406.5
$1,000
$500
$-
Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
Net Basis Rate Mark Discount Credit Mark (1)(1) Credit mark is recorded in the Allowance for Credit Losses, and not included in the purchased loan net basis.
31
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