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

Mashreqbank PSC

New York · $6.93B in assets · beside the 11 other New York banks between $3B and $10B

The filing

0.00%
NPA / loans
2nd of 12
-12.5%
Loans, year over year
11th of 12, largest first
1.9%
CRE / loans
3rd of 12

Mashreqbank PSC is the sixth largest of the 12 New York banks nearest its size between $3B and $10B, with $6.93B in assets at 30 June 2026. Loans are 86.4% of deposits, 5th of 12 against a median of 89.6%. Loans grew -12.5% in the year, 11th of 12, and deposits grew 24.8%; the cohort's median loan growth is +4.5%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is no record of loans, null. Commercial real estate is 1.9% of loans, 3rd of 12 against a median of 36.1%.

The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.71% Bo Bank of India 0.00% MP Mashreqbank PSC 0.00% BT Bessemer Trust Co. N.A. 0.00% AB Arrow Bank National Association 0.24% TB Trustco Bank 0.40% NB Northfield Bank 0.62% TC Tompkins Community Bank 0.80% FS Five Star Bank 0.82% CN Canandaigua National Bank & Trust Co. 0.83% MC Metropolitan Commercial Bank 0.91% RS Ridgewood Savings Bank 1.85% AB Amalgamated Bank 1.99%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.5% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% AB Amalgamated Bank +9.2% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Mashreqbank PSCRankCohort median
Total CRE against capital, the 300% screenno record243%
Construction against capital, the 100% screenno record12%
Construction and land development, share of loans0.0%3rd of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loansno record11.7%
Total CRE, the guidance definition, share of loans1.9%3rd of 1236.1%
CRE growth over 36 months, the third prong-60.6%1st of 10+24.8%
Commercial real estate against capital, the 300% screenNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 243% BT Bessemer Trust Co. N.A. 0% TB Trustco Bank 28% AB Arrow Bank National Association 142% AB Amalgamated Bank 235% CN Canandaigua National Bank & Trust Co. 241% RS Ridgewood Savings Bank 246% FS Five Star Bank 294% MC Metropolitan Commercial Bank 304% TC Tompkins Community Bank 323% NB Northfield Bank 381%
CRE growth over 36 months, the guidance's third prongNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +24.8% MP Mashreqbank PSC -60.6% NB Northfield Bank -18.7% RS Ridgewood Savings Bank +10.4% MC Metropolitan Commercial Bank +23.8% CN Canandaigua National Bank & Trust Co. +23.9% FS Five Star Bank +25.8% TC Tompkins Community Bank +32.0% TB Trustco Bank +44.7% AB Amalgamated Bank +59.3% AB Arrow Bank National Association +72.0%

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
Amalgamated Bank$9.41B1.3%47.7%1.99%0.25%1.3%60.7%9.2%
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mashreqbank PSCCohort median
20212026Change20212026Change
Loans$878M$2.55B+191%$3.18B$4.42B+39%
Deposits$1.05B$2.95B+181%$3.74B$5.50B+47%
NPA / loans0.14%0.00%-0.14 pts0.26%0.71%+0.45 pts
Efficiencyno recordno record57.2%54.0%-3.3 pts
ROAno recordno record1.37%1.23%-0.14 pts

This read was prepared for Mashreqbank PSC'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 Mashreqbank PSC is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

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Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $3B to $10B

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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