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Wellington Trust Company National Association

Boston, MA · Cert 23741

NC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=629). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

8

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

Wellington Trust Company National Association

Boston, MA · Cert 23741

NC

Q2 2026

$109.0MAssets
$0KLoans
$0KDeposits
$56.7MEquity

NIM

0.02%Q2 ’240.10%Q2 ’250.06%Q2 ’26+21%+27%

Non-interest income vs. expense

348%Q2 ’24343%Q2 ’25364%Q2 ’26-50%+22%

Executive Summary

  • Earnings: ROA of 5.70%, down 153 bps year over year; NIM at -0.68%.
  • Capital: tier 1 leverage ratio of 58.52%, up 197 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

5.70%-153 bps YoY

Net Interest Margin (YTD, annualized)

-0.68%+25 bps YoY

Efficiency Ratio (YTD, annualized)

97.99%+70 bps YoY

Tier 1 Leverage Ratio

58.52%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets7.23%8.26%6.35%1.51%5.70%-153 bps
Return on Equity14.08%16.05%12.08%2.64%10.32%-376 bps
Net Interest Margin-0.93%-0.84%-0.86%-0.62%-0.68%+25 bps
Efficiency Ratio97.29%97.31%97.60%99.45%97.99%+70 bps
Non-Interest Burden-10.49%-10.69%-9.02%-2.61%-8.13%+236 bps
Growth
Asset Growth (YoY)0.50%3.62%-5.71%0.57%15.21%+1,472 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
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 Ratio56.55%58.95%54.88%57.11%58.52%+197 bps
Total Risk-Based Capital56.60%54.19%59.85%59.92%54.19%-241 bps
Equity / Assets53.99%51.90%57.09%57.16%51.97%-202 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/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

Wellington Trust Company National Association

Boston, MA · Cert 23741 · Peer group: banks under $1B in assets (n=629)

NC

Q2 2026

$109.0MAssets
$0KLoans
$0KDeposits
$56.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets (rank 32 of 629).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets (rank 629 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

5.20%

Rank 32 of 629

Net Interest Margin

-0.68%

Rank 629 of 629

Efficiency Ratio

97.99%

Rank 581 of 629

Equity / Assets

51.97%

Rank 45 of 629

Non-interest income vs. expense

$360.3M$352.4MINCOMEEXPENSE
Favorable gap of $7.9M · efficiency ratio beats 8% of banks under $1B in assets
Bank 97.99%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets5.20%0.60%1.01%1.45%Beats 95%32 / 629
Return on Equity10.00%5.38%9.30%13.28%Beats 54%290 / 629
Net Interest Margin-0.68%3.03%3.54%4.05%Beats 0%629 / 629
Efficiency Ratio97.99%58.35%67.79%79.08%Beats 8%581 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio54.19%11.24%13.84%18.77%Beats 91%56 / 629
Total Risk-Based Capital Ratio54.19%11.58%14.43%19.66%Beats 91%56 / 629
Equity / Assets51.97%9.09%10.65%13.80%Beats 93%45 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution