PackageTrendsPeer
Letter portraitLegal landscape

Brown Brothers Harriman Trust Company, N.A.

New York, NY · Cert 25824

FDIC

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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

16

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

Brown Brothers Harriman Trust Company, N.A.

New York, NY · Cert 25824

FDIC

Q2 2026

$16.1MAssets
$0KLoans
$0KDeposits
$11.1MEquity

Executive Summary

  • Earnings: ROA of 13.03%, up 609 bps year over year; NIM at 2.15%.
  • Capital: tier 1 leverage ratio of 67.65%, up 1,060 bps from a year ago.

Return on Assets (YTD, annualized)

13.03%+609 bps YoY

Net Interest Margin (YTD, annualized)

2.15%+32 bps YoY

Efficiency Ratio (YTD, annualized)

87.50%-533 bps YoY

Tier 1 Leverage Ratio

67.65%+1,060 bps YoY

NIM

1.88%Q2 ’241.83%Q2 ’252.15%Q2 ’26-2%+17%

Non-interest income vs. expense

132.89%Q2 ’24136.91%Q2 ’25120.33%Q2 ’26+51%-72%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets13.75%12.27%4.72%6.95%18.98%13.06%15.43%13.03%+609 bps
Return on Equity25.69%23.75%9.61%13.41%34.86%24.76%27.82%21.78%+837 bps
Net Interest Margin1.82%1.78%1.58%1.83%1.71%1.88%2.12%2.15%+32 bps
Efficiency Ratio86.63%87.91%93.87%92.83%82.91%87.96%86.00%87.50%-533 bps
Non-Interest Burden-17.85%-15.28%-6.94%-8.75%-24.42%-16.02%-18.50%-15.04%-629 bps
Growth
Asset Growth (YoY)-2.21%-2.13%-4.28%-3.85%2.06%-2.59%16.64%16.01%+1,985 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 Ratio61.80%47.67%52.33%57.04%64.99%48.04%67.93%67.65%+1,060 bps
Total Risk-Based Capital61.80%47.67%52.33%57.04%64.99%48.04%67.93%67.65%+1,060 bps
Equity / Assets59.52%44.91%54.10%57.73%62.07%46.37%64.37%68.73%+1,101 bps
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/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

Brown Brothers Harriman Trust Company, N.A.

New York, NY · Cert 25824 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$16.1MAssets
$0KLoans
$0KDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks under $1B in assets (rank 19 of 629).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets (rank 595 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

13.17%

Rank 19 of 629

Net Interest Margin

2.15%

Rank 595 of 629

Efficiency Ratio

87.50%

Rank 531 of 629

Equity / Assets

68.73%

Rank 38 of 629

Non-interest income vs. expense

$22.1M$19.7MINCOMEEXPENSE
Favorable gap of $2.5M · efficiency ratio beats 16% of banks under $1B in assets
Bank 87.50%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets13.17%0.60%1.01%1.45%Beats 97%19 / 629
Return on Equity19.16%5.38%9.30%13.28%Beats 92%48 / 629
Net Interest Margin2.15%3.03%3.54%4.05%Beats 5%595 / 629
Efficiency Ratio87.50%58.35%67.79%79.08%Beats 16%531 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio67.65%11.24%13.84%18.77%Beats 93%47 / 629
Total Risk-Based Capital Ratio67.65%11.58%14.43%19.66%Beats 93%47 / 629
Equity / Assets68.73%9.09%10.65%13.80%Beats 94%38 / 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