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Bank of New York Mellon Trust Company, National Association, The

Los Angeles, CA · Cert 23472 · Bank of NY Mellon Corp. the

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of New York Mellon Trust Company, National Association, The

Los Angeles, CA · Cert 23472 · Bank of NY Mellon Corp. the

National charter · OCC · 3 affiliate banks · 10 branches (47 in holding)

Q2 2026

$1.4BAssets
$0KLoans
$2.2MDeposits
$1.1BEquity
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $2.2MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #101 of 107 inst. · $0.0B of $667.8B

0.0% Los Angeles
0.0% Duval
0.0% Allegheny
0.0% Philadelphia

Executive Summary

  • Earnings: ROA of 15.27%, down 61 bps year over year; NIM at 0.93%.
  • Capital: tier 1 leverage ratio of 63.50%, up 25 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

15.27%-61 bps YoY

Net Interest Margin (YTD, annualized)

0.93%-18 bps YoY

Efficiency Ratio (YTD, annualized)

40.43%+99 bps YoY

Tier 1 Leverage Ratio

63.50%+25 bps YoY

NIM

1.47%Q2 ’241.11%Q2 ’250.93%Q2 ’26-25%-16%

Non-interest income vs. expense

12.86%Q2 ’2413.69%Q2 ’2513.76%Q2 ’26+15%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets19.17%18.99%16.05%15.88%16.54%16.82%16.47%15.27%-61 bps
Return on Equity24.05%23.82%20.10%19.84%20.66%21.01%20.59%19.03%-82 bps
Net Interest Margin1.46%1.41%1.10%1.11%1.10%1.07%0.95%0.93%-18 bps
Efficiency Ratio34.25%35.48%39.58%39.44%38.67%37.87%36.19%40.43%+99 bps
Non-Interest Burden-23.70%-23.59%-20.29%-19.91%-20.72%-21.13%-21.16%-19.34%+57 bps
Growth
Asset Growth (YoY)-2.07%-1.24%0.06%2.20%3.54%3.81%4.32%3.54%+134 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)5.17%-23.50%-38.92%-25.72%-16.82%46.85%21.43%180.18%+20,590 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio57.60%58.93%64.64%63.25%63.36%63.93%66.01%63.50%+25 bps
Total Risk-Based Capital341%317%326%300%296%286%330%284%-1,595 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of New York Mellon Trust Company, National Association, The

Los Angeles, CA · Cert 23472 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19) · Bank of NY Mellon Corp. the

National charter · OCC · 3 affiliate banks · 10 branches (47 in holding)

Q2 2026

$1.4BAssets
$0KLoans
$2.2MDeposits
$1.1BEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 19).
  • Widest gap: net interest margin trails 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

15.26%

Rank 1 of 19

Net Interest Margin

0.93%

Rank 18 of 19

Efficiency Ratio

40.43%

Rank 6 of 19

Equity / Assets

80.65%

Rank 1 of 19

Non-interest income vs. expense

$453.7M$188.6MINCOMEEXPENSE
Favorable gap of $265.1M · efficiency ratio beats 74% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 40.43%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets15.26%1.10%1.26%1.57%Beats 95%1 / 19
Return on Equity18.92%8.62%11.28%14.70%Beats 89%2 / 19
Net Interest Margin0.93%3.07%3.30%3.62%Beats 5%18 / 19
Efficiency Ratio40.43%33.01%51.12%56.65%Beats 74%6 / 19
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio283%12.10%14.67%23.92%Beats 95%1 / 19
Total Risk-Based Capital Ratio284%13.35%14.67%24.05%Beats 95%1 / 19
Equity / Assets80.65%9.84%11.18%14.01%Beats 95%1 / 19
Liquidity & Funding
Loans / Deposits0.00%79.34%95.16%100.04%0th pctl18 / 19
Loans / Assets0.00%69.86%77.55%83.04%0th pctl18 / 19
Brokered Deposits / Depositsn/aNot reported for this institution