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Citicorp Trust Delaware, National Association

New Castle, DE · Cert 25677

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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

97

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

Citicorp Trust Delaware, National Association

New Castle, DE · Cert 25677

NC

Q2 2026

$24.1MAssets
$0KLoans
$0KDeposits
$22.7MEquity

NIM

4.52%Q2 ’242.24%Q2 ’250.10%Q2 ’26-50%-96%

Non-interest income vs. expense

38.00%Q2 ’2439.25%Q2 ’251.83%Q2 ’26+59%+1%

Executive Summary

  • Earnings: ROA of 2.19%, down 180 bps year over year; NIM at 0.10%.
  • Capital: tier 1 leverage ratio of 92.72%, down 157 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

2.19%-180 bps YoY

Net Interest Margin (YTD, annualized)

0.10%-214 bps YoY

Efficiency Ratio (YTD, annualized)

38.96%-4,966 bps YoY

Tier 1 Leverage Ratio

92.72%-157 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.98%-2.94%6.32%1.62%2.19%-180 bps
Return on Equity4.25%-3.12%6.69%1.71%2.31%-194 bps
Net Interest Margin2.24%1.53%1.23%0.19%0.10%-214 bps
Efficiency Ratio88.62%111.88%73.26%-1.10%38.96%-4,966 bps
Non-Interest Burden-2.80%5.27%-6.56%-4.13%-2.77%+3 bps
Growth
Asset Growth (YoY)0.35%-5.75%5.55%-4.79%-4.68%-502 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 Ratio94.29%92.04%105.05%88.57%92.72%-157 bps
Total Risk-Based Capital478%493%486%481%483%+477 bps
Equity / Assetsn/an/an/an/an/an/an/a
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/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

Citicorp Trust Delaware, National Association

New Castle, DE · Cert 25677 · Peer group: banks under $1B in assets (n=629)

NC

Q2 2026

$24.1MAssets
$0KLoans
$0KDeposits
$22.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets (rank 7 of 629).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets (rank 628 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

2.24%

Rank 60 of 629

Net Interest Margin

0.10%

Rank 628 of 629

Efficiency Ratio

38.96%

Rank 22 of 629

Equity / Assets

94.37%

Rank 11 of 629

Non-interest income vs. expense

$1.1M$0.4MINCOMEEXPENSE
Favorable gap of $0.7M · efficiency ratio beats 97% of banks under $1B in assets
Bank 38.96%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.24%0.60%1.01%1.45%Beats 90%60 / 629
Return on Equity2.38%5.38%9.30%13.28%Beats 13%546 / 629
Net Interest Margin0.10%3.03%3.54%4.05%Beats 0%628 / 629
Efficiency Ratio38.96%58.35%67.79%79.08%Beats 97%22 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio483%11.24%13.84%18.77%Beats 99%7 / 629
Total Risk-Based Capital Ratio483%11.58%14.43%19.66%Beats 99%7 / 629
Equity / Assets94.37%9.09%10.65%13.80%Beats 98%11 / 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