PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Blackrock Institutional Trust Company, National Association

San Francisco, CA · Cert 32961

FDIC

Q2 2026

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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets14.22%16.78%9.78%11.13%12.70%17.04%14.54%18.50%+737 bps
Return on Equity17.66%20.88%12.16%13.84%15.84%21.46%18.73%23.92%+1,008 bps
Net Interest Margin0.88%0.87%0.83%0.84%0.83%0.78%0.67%0.69%-15 bps
Efficiency Ratio49.27%45.38%60.57%56.65%54.42%48.55%58.58%51.05%-560 bps
Non-Interest Burden-17.59%-20.66%-12.35%-14.45%-16.49%-22.09%-17.61%-23.52%-907 bps
Growth
Asset Growth (YoY)2.78%5.92%2.31%1.18%-3.51%1.38%-0.78%3.32%+214 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio63.79%71.32%61.21%67.17%54.22%67.60%52.51%60.46%-671 bps
Total Risk-Based Capital165.15%153.19%181.52%179.80%147.85%114.56%139.29%132.41%-4,739 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a