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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 ’242.02%Q2 ’252.27%Q2 ’26+7%+13%

Non-interest income vs. expense

132.71%Q2 ’24137.52%Q2 ’25119.46%Q2 ’26+45%-21%

Executive Summary

  • Earnings: ROA of 10.53%, up 96 bps year over year; NIM at 2.27%.
  • Capital: tier 1 leverage ratio of 67.65%, up 1,060 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

10.53%+96 bps YoY

Net Interest Margin (quarter, annualized)

2.27%+25 bps YoY

Efficiency Ratio (quarter, annualized)

89.08%-274 bps YoY

Tier 1 Leverage Ratio

67.65%+1,060 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets9.57%44.20%-3.72%15.43%10.53%+96 bps
Return on Equity17.12%73.63%-6.88%27.82%15.83%-129 bps
Net Interest Margin2.02%1.64%2.64%2.12%2.27%+25 bps
Efficiency Ratio91.82%67.48%101.84%86.00%89.08%-274 bps
Non-Interest Burden-10.24%-56.70%5.56%-18.50%-12.37%-213 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