PackageTrendsPeer
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Blackrock Institutional Trust Company, National Association

San Francisco, CA · Cert 32961

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=328). 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

77

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

Blackrock Institutional Trust Company, National Association

San Francisco, CA · Cert 32961

FDIC

Q2 2026

$4.8BAssets
$0KLoans
$0KDeposits
$3.6BEquity

NIM

0.85%Q2 ’240.84%Q2 ’250.69%Q2 ’26-1%-18%

Non-interest income vs. expense

18.25%Q2 ’2419.98%Q2 ’2525.25%Q2 ’26+22%-63%

Executive Summary

  • Earnings: ROA of 18.50%, up 737 bps year over year; NIM at 0.69%.
  • Capital: tier 1 leverage ratio of 60.46%, down 671 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

18.50%+737 bps YoY

Net Interest Margin (YTD, annualized)

0.69%-15 bps YoY

Efficiency Ratio (YTD, annualized)

51.05%-560 bps YoY

Tier 1 Leverage Ratio

60.46%-671 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.13%12.70%17.04%14.54%18.50%+737 bps
Return on Equity13.84%15.84%21.46%18.73%23.92%+1,008 bps
Net Interest Margin0.84%0.83%0.78%0.67%0.69%-15 bps
Efficiency Ratio56.65%54.42%48.55%58.58%51.05%-560 bps
Non-Interest Burden-14.45%-16.49%-22.09%-17.61%-23.52%-907 bps
Growth
Asset Growth (YoY)1.18%-3.51%1.38%-0.78%3.32%+214 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 Ratio67.17%54.22%67.60%52.51%60.46%-671 bps
Total Risk-Based Capital179.80%147.85%114.56%139.29%132.41%-4,739 bps
Equity / Assetsn/an/an/an/an/an/an/a
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/an/an/an/an/an/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

Blackrock Institutional Trust Company, National Association

San Francisco, CA · Cert 32961 · Peer group: banks $1B-$10B in assets (n=328)

FDIC

Q2 2026

$4.8BAssets
$0KLoans
$0KDeposits
$3.6BEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks $1B-$10B in assets (rank 4 of 328).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets (rank 328 of 328).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

18.29%

Rank 4 of 328

Net Interest Margin

0.69%

Rank 328 of 328

Efficiency Ratio

51.05%

Rank 78 of 328

Equity / Assets

76.78%

Rank 4 of 328

Non-interest income vs. expense

$2.3B$1.2BINCOMEEXPENSE
Favorable gap of $1.1B · efficiency ratio beats 77% of banks $1B-$10B in assets
Bank 51.05%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets18.29%0.91%1.22%1.52%Beats 99%4 / 328
Return on Equity23.82%8.43%11.45%14.43%Beats 96%12 / 328
Net Interest Margin0.69%3.03%3.45%3.83%Beats 0%328 / 328
Efficiency Ratio51.05%51.61%59.56%67.53%Beats 77%78 / 328
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio131.98%11.75%13.15%15.47%Beats 99%3 / 328
Total Risk-Based Capital Ratio132.41%12.63%14.15%16.46%Beats 99%3 / 328
Equity / Assets76.78%9.15%10.33%12.01%Beats 99%4 / 328
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%65.18%74.15%79.98%0th pctl323 / 328
Brokered Deposits / Depositsn/aNot reported for this institution