PackageTrendsPeer
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Brown Brothers Harriman Trust Company, N.A.

New York, NY · Cert 25824

FDIC

Q2 2026

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

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets6.95%18.98%13.06%15.43%13.03%+609 bps
Return on Equity13.41%34.86%24.76%27.82%21.78%+837 bps
Net Interest Margin1.83%1.71%1.88%2.12%2.15%+32 bps
Efficiency Ratio92.83%82.91%87.96%86.00%87.50%-533 bps
Non-Interest Burden-8.75%-24.42%-16.02%-18.50%-15.04%-629 bps
Growth
Asset Growth (YoY)-3.85%2.06%-2.59%16.64%16.01%+1,985 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 Ratio57.04%64.99%48.04%67.93%67.65%+1,060 bps
Total Risk-Based Capital57.04%64.99%48.04%67.93%67.65%+1,060 bps
Equity / Assets57.73%62.07%46.37%64.37%68.73%+1,101 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