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Edward Jones Trust Company

Saint Louis, MO · Cert 28390

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

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 in the St. Louis, MO-IL area (n=40). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

22

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

Edward Jones Trust Company

Saint Louis, MO · Cert 28390

State savings bank · OCC · 1 branch

Q2 2026

$160.5MAssets
$0KLoans
$500KDeposits
$146.9MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ2 2025Q2 2026

NIM

3.72%Q2 ’243.38%Q2 ’253.33%Q2 ’26-9%0%

Non-interest income vs. expense

46.02%Q2 ’2441.68%Q2 ’2545.92%Q2 ’26-45%-16%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #108 of 111 inst. · $0.0B of $141.7B

Executive Summary

  • Earnings: ROA of 8.54%, down 120 bps year over year; NIM at 3.22%.
  • Capital: tier 1 leverage ratio of 98.18%, up 476 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.54%-120 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-2 bps YoY

Efficiency Ratio (YTD, annualized)

79.03%-16 bps YoY

Tier 1 Leverage Ratio

98.18%+476 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets9.73%10.04%10.85%3.65%8.54%-120 bps
Return on Equity10.55%10.94%11.79%3.97%9.29%-126 bps
Net Interest Margin3.23%3.34%3.28%3.20%3.22%-2 bps
Efficiency Ratio79.19%79.43%76.88%84.31%79.03%-16 bps
Non-Interest Burden-7.72%-7.91%-9.03%-5.92%-8.97%-125 bps
Growth
Asset Growth (YoY)9.58%10.90%12.06%11.71%12.21%+263 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
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 Ratio93.42%97.01%97.26%96.63%98.18%+476 bps
Total Risk-Based Capital354%345%361%345%356%+144 bps
Equity / Assets91.91%90.44%93.08%91.07%91.53%-38 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets35.47%36.45%36.71%37.80%36.04%+57 bps
CRE / Total Capitaln/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

Edward Jones Trust Company

Saint Louis, MO · Cert 28390 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=40)

State savings bank · OCC · 1 branch

Q2 2026

$160.5MAssets
$0KLoans
$500KDeposits
$146.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in the St. Louis, MO-IL area (rank 1 of 40).
  • Widest gap: efficiency ratio trails 78% of banks under $1B in assets in the St. Louis, MO-IL area (rank 32 of 40).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

8.27%

Rank 1 of 40

Net Interest Margin

3.22%

Rank 20 of 40

Efficiency Ratio

79.03%

Rank 32 of 40

Equity / Assets

91.53%

Rank 1 of 40

Non-interest income vs. expense

$82.1M$68.7MINCOMEEXPENSE
Favorable gap of $13.4M · efficiency ratio beats 22% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 79.03%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets8.27%0.64%1.04%1.26%Beats 98%1 / 40
Return on Equity9.04%6.25%9.97%13.41%Beats 45%22 / 40
Net Interest Margin3.22%3.09%3.22%3.62%Beats 48%20 / 40
Efficiency Ratio79.03%57.08%64.37%75.86%Beats 22%32 / 40
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio356%10.29%12.88%15.77%Beats 98%1 / 40
Total Risk-Based Capital Ratio356%10.64%13.30%17.01%Beats 98%1 / 40
Equity / Assets91.53%8.59%9.46%12.46%Beats 98%1 / 40
Liquidity & Funding
Loans / Deposits0.00%66.12%79.48%94.60%0th pctl39 / 40
Loans / Assets0.00%54.69%68.52%77.46%0th pctl39 / 40
Brokered Deposits / Depositsn/aNot reported for this institution