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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

BTG Pactual Bank N.A.

New York, New York · $978M in assets · beside the 11 other New York banks between $300M and $1B

The filing

46.8%
Equity / assets
1st of 12
0.18%
NPA / loans
1st of 12
+67.0%
Loans, year over year
1st of 12, largest first

BTG Pactual Bank N.A. is the largest of the 12 New York banks nearest its size between $300M and $1B, with $978M in assets at 30 June 2026. Loans are 97.1% of deposits, 10th of 12 against a median of 85.8%, and equity is 46.8% of assets, the highest in the cohort. Loans grew +67.0% in the year, the fastest in the cohort, and deposits grew 57.1%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 0.18% of the book, the lowest in the cohort against a median of 0.80%; 0.21% is 30 to 89 days past due, and the allowance covers them 5.7 times. Net charge-offs are 0.28% of loans, the highest in the cohort. Commercial real estate is 39.7% of loans, 8th of 12 against a median of 30.2%, and 38% of capital, below the 300% screen, with construction at 1% against the 100% screen.

Return on assets is -0.12%, 10th of 12 against a median of 0.55%, on an efficiency ratio of 83.5%, 8th of 12. Five years ago it was -0.56%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.80% BP BTG Pactual Bank N.A. 0.18% LS Lake Shore Bank 0.25% JB Jeff Bank 0.37% CF Community FSB 0.43% GF Geddes Federal Savings & Loan Association 0.44% SB Spring Bank 0.60% TS Tioga State Bank N.A. 1.00% FN First National Bank of Scotia 1.50% WS Watertown Savings Bank 1.95% CF Carver Federal Savings Bank 3.46% QB Quontic Bank 3.53% MB Modern Bank National Association 5.60%
Loans, year over yearNY banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.8% BP BTG Pactual Bank N.A. +67.0% SB Spring Bank +33.8% CF Community FSB +21.8% QB Quontic Bank +7.6% JB Jeff Bank +6.1% TS Tioga State Bank N.A. +5.7% MB Modern Bank National Association +3.8% GF Geddes Federal Savings & Loan Association +3.7% WS Watertown Savings Bank +3.5% FN First National Bank of Scotia +1.2% LS Lake Shore Bank +1.0% CF Carver Federal Savings Bank -8.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
BTG Pactual Bank N.A.RankCohort median
Total CRE against capital, the 300% screen38%3rd of 12127%
Construction against capital, the 100% screen1%3rd of 126%
Construction and land development, share of loans1.3%7th of 121.1%
Non-owner-occupied nonfarm nonresidential, share of loans15.2%9th of 1211.8%
Total CRE, the guidance definition, share of loans39.7%8th of 1230.2%
CRE growth over 36 months, the third prong+31.5%10th of 12+8.5%
Commercial real estate against capital, the 300% screenNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 127% GF Geddes Federal Savings & Loan Association 1% QB Quontic Bank 2% BP BTG Pactual Bank N.A. 38% WS Watertown Savings Bank 82% JB Jeff Bank 91% FN First National Bank of Scotia 125% TS Tioga State Bank N.A. 128% LS Lake Shore Bank 202% MB Modern Bank National Association 241% SB Spring Bank 361% CF Community FSB 361% CF Carver Federal Savings Bank 442%
CRE growth over 36 months, the guidance's third prongNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +8.5% QB Quontic Bank -59.8% GF Geddes Federal Savings & Loan Association -58.8% MB Modern Bank National Association -37.4% CF Carver Federal Savings Bank -4.6% LS Lake Shore Bank -0.6% WS Watertown Savings Bank +7.7% FN First National Bank of Scotia +9.3% TS Tioga State Bank N.A. +16.9% JB Jeff Bank +31.5% BP BTG Pactual Bank N.A. +31.5% CF Community FSB +96.1% SB Spring Bank +149.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
BTG Pactual Bank N.A.$978M-0.1%83.5%0.18%0.28%1.0%97.1%46.8%
Watertown Savings Bank$971M1.9%49.1%1.95%0.13%1.2%75.7%18.3%
Community FSB$827M-0.6%107.2%0.43%0.25%1.0%55.7%10.9%
Quontic Bank$787M0.4%89.3%3.53%0.00%0.2%88.5%11.0%
Lake Shore Bank$736M1.1%65.7%0.25%0.00%0.8%94.0%16.5%
First National Bank of Scotia$719M0.7%74.3%1.50%0.14%1.1%81.8%9.5%
Jeff Bank$686M1.9%50.3%0.37%0.00%1.3%64.7%14.1%
Geddes Federal Savings & Loan Association$686M0.3%78.0%0.44%0.00%0.2%113.4%14.6%
Carver Federal Savings Bank$658M-0.7%115.8%3.46%0.22%1.0%95.0%7.2%
Modern Bank National Association$649M0.1%101.6%5.60%0.00%1.5%101.3%10.4%
Spring Bank$641M1.6%41.2%0.60%0.07%1.2%83.2%13.9%
Tioga State Bank N.A.$625M1.3%66.6%1.00%0.04%1.6%73.1%10.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BTG Pactual Bank N.A.Cohort median
20212026Change20212026Change
Loans$207M$447M+116%$476M$502M+5%
Deposits$303M$460M+52%$561M$580M+3%
NPA / loans0.02%0.18%+0.16 pts0.75%0.80%+0.05 pts
Efficiency114.8%83.5%-31.3 pts68.5%76.1%+7.6 pts
ROA-0.56%-0.12%+0.43 pts0.80%0.55%-0.25 pts

This read was prepared for BTG Pactual Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on BTG Pactual Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $300M to $1B
Institution www.btgpactual.us

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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