Brown Brothers Harriman Trust Company, N.A.

New York, NY · Cert 25824

FDIC

Q2 2026

$16.1MAssets

$0KLoans

$0KDeposits

$11.1MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	13.75%	12.27%	4.72%	6.95%	18.98%	13.06%	15.43%	13.03%	+609 bps
Return on Equity	25.69%	23.75%	9.61%	13.41%	34.86%	24.76%	27.82%	21.78%	+837 bps
Net Interest Margin	1.82%	1.78%	1.58%	1.83%	1.71%	1.88%	2.12%	2.15%	+32 bps
Efficiency Ratio	86.63%	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/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	61.80%	47.67%	52.33%	57.04%	64.99%	48.04%	67.93%	67.65%	+1,060 bps
Total Risk-Based Capital	61.80%	47.67%	52.33%	57.04%	64.99%	48.04%	67.93%	67.65%	+1,060 bps
Equity / Assets	59.52%	44.91%	54.10%	57.73%	62.07%	46.37%	64.37%	68.73%	+1,101 bps
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	0.00%	0.00%	0.00%	n/a	n/a