PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Comerica Bank & Trust, National Association

Ann Arbor, MI · Cert 1596

FDIC · 1 branch

Q4 2025

$125.3MAssets
n/aLoans
$505KDeposits
$113.6MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $505KQ4 2024Q4 2025

NIM

0.03%Q4 ’230.02%Q4 ’240.02%Q4 ’25-21%-30%

Non-interest income vs. expense

66.21%Q4 ’2396.94%Q4 ’2488.41%Q4 ’25+130%-144%

Market Position · Ann Arbor, MI · 2025 SOD (annual) · 0.0% share · #17 of 17 inst. · $0.0B of $11.9B

Executive Summary

  • Earnings: ROA of 4.70%, up 1,592 bps year over year; NIM at 0.02%.
  • Capital: tier 1 leverage ratio of 93.78%, up 521 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q4 2025.

Financial Results

Return on Assets (quarter, annualized)

4.70%+1,592 bps YoY

Net Interest Margin (quarter, annualized)

0.02%-1 bps YoY

Efficiency Ratio (quarter, annualized)

92.00%-2,347 bps YoY

Tier 1 Leverage Ratio

93.78%+521 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-11.22%5.94%11.53%1.41%4.70%+1,592 bps
Return on Equity-12.09%6.44%12.50%1.57%5.24%+1,734 bps
Net Interest Margin0.02%0.03%0.03%0.03%0.02%-1 bps
Efficiency Ratio115.47%89.71%83.60%96.11%92.00%-2,347 bps
Non-Interest Burden14.24%-8.37%-15.94%-1.92%-6.29%-2,052 bps
Growth
Asset Growth (YoY)12.11%6.87%5.74%8.65%7.38%-473 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.40%-3.44%-0.77%-7.10%-0.59%-99 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio88.57%99.40%97.81%94.53%93.78%+521 bps
Total Risk-Based Capital248%290%301%256%267%+1,943 bps
Equity / Assets91.19%93.18%91.38%88.75%90.61%-58 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/a0.00%0.00%n/a