Citicorp Trust Delaware, National Association

New Castle, DE · Cert 25677

Q2 2026

$24.1MAssets

$0KLoans

$0KDeposits

$22.7MEquity

Executive Summary

Return on Assets (quarter, annualized)

2.81%+232 bps YoY

Net Interest Margin (quarter, annualized)

0.00%-93 bps YoY

Efficiency Ratio (quarter, annualized)

74.92%-2,365 bps YoY

Tier 1 Leverage Ratio

92.72%-157 bps YoY

Discrete quarter, annualized.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	3.31%	14.47%	7.51%	0.49%	-17.11%	34.26%	1.62%	2.81%	+232 bps
Return on Equity	3.52%	15.31%	8.01%	0.52%	-18.04%	35.82%	1.71%	2.98%	+246 bps
Net Interest Margin	4.24%	3.70%	3.51%	0.93%	0.00%	0.15%	0.19%	0.00%	-93 bps
Efficiency Ratio	90.12%	63.91%	79.07%	98.57%	633%	-138.69%	-1.10%	74.92%	-2,365 bps
Non-Interest Burden	0.14%	-14.08%	-5.82%	0.30%	21.52%	-42.73%	-4.13%	-1.24%	-154 bps
Growth
Asset Growth (YoY)	0.61%	3.07%	2.86%	0.35%	-5.75%	5.55%	-4.79%	-4.68%	-502 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	92.56%	90.81%	92.81%	94.29%	92.04%	105.05%	88.57%	92.72%	-157 bps
Total Risk-Based Capital	485%	480%	478%	478%	493%	486%	481%	483%	+477 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a