PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citicorp Trust Delaware, National Association

New Castle, DE · Cert 25677

NC

Q2 2026

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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets6.41%8.45%7.51%3.98%-2.94%6.32%1.62%2.19%-180 bps
Return on Equity6.82%8.99%8.01%4.25%-3.12%6.69%1.71%2.31%-194 bps
Net Interest Margin4.39%4.23%3.51%2.24%1.53%1.23%0.19%0.10%-214 bps
Efficiency Ratio80.91%76.47%79.07%88.62%111.88%73.26%-1.10%38.96%-4,966 bps
Non-Interest Burden-4.46%-6.87%-5.82%-2.80%5.27%-6.56%-4.13%-2.77%+3 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
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 Ratio92.56%90.81%92.81%94.29%92.04%105.05%88.57%92.72%-157 bps
Total Risk-Based Capital485%480%478%478%493%486%481%483%+477 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
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