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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

3.81%Q2 ’243.46%Q2 ’253.41%Q2 ’26-9%-1%

Non-interest income vs. expense

45.71%Q2 ’2440.61%Q2 ’2543.80%Q2 ’26-50%-39%

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 13.27%, up 405 bps year over year; NIM at 3.30%.
  • 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 (quarter, annualized)

13.27%+405 bps YoY

Net Interest Margin (quarter, annualized)

3.30%-2 bps YoY

Efficiency Ratio (quarter, annualized)

73.95%-315 bps YoY

Tier 1 Leverage Ratio

98.18%+476 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets9.22%10.67%13.05%3.65%13.27%+405 bps
Return on Equity10.02%11.70%14.23%3.97%14.53%+452 bps
Net Interest Margin3.32%3.49%3.41%3.20%3.30%-2 bps
Efficiency Ratio77.10%79.86%69.43%84.31%73.95%-315 bps
Non-Interest Burden-8.75%-8.16%-13.17%-5.92%-12.13%-338 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