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Wilmington Trust, National Association

Wilmington, DE · Cert 34069 · M&T Bank Corp.

National charter · OCC · 41 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

5

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

9

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

Wilmington Trust, National Association

Wilmington, DE · Cert 34069 · M&T Bank Corp.

National charter · OCC · 1 affiliate bank · 41 branches (998 in holding)

Q2 2026

$772.1MAssets
$23.8MLoans
$4.9MDeposits
$681.2MEquity
Loan mix
100%RE $25.4M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $4.9M0%Noninterest $0.0MQ3 2024Q2 2026

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #82 of 88 inst. · $0.0B of $685.1B

0.4% Genesee
0.0% New Castle
0.0% Baltimore (City)
0.0% Indian River

Executive Summary

  • Earnings: ROA of 1.78%, down 541 bps year over year; NIM at 0.27%.
  • Asset quality: problem loans at 6.86% of loans (+202 bps YoY), with net recoveries of 0.29%.
  • Capital: tier 1 leverage ratio of 86.89%, down 55 bps from a year ago.
  • Funding: loans stand at 481.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.78%-541 bps YoY

Net Interest Margin (YTD, annualized)

0.27%-9 bps YoY

Efficiency Ratio (YTD, annualized)

95.42%+1,237 bps YoY

Tier 1 Leverage Ratio

86.89%-55 bps YoY

NIM

0.58%Q2 ’240.36%Q2 ’250.27%Q2 ’26-39%-25%

Non-interest income vs. expense

45.61%Q2 ’2449.57%Q2 ’2552.72%Q2 ’26-32%+77%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets6.10%6.25%5.04%7.19%10.20%7.95%0.16%1.78%-541 bps
Return on Equity7.06%7.27%5.88%8.36%11.89%9.26%0.18%2.03%-634 bps
Net Interest Margin0.53%0.50%0.37%0.36%0.34%0.31%0.28%0.27%-9 bps
Efficiency Ratio83.89%83.83%88.09%83.05%77.41%81.87%99.58%95.42%+1,237 bps
Non-Interest Burden-7.83%-8.00%-6.63%-9.76%-13.70%-10.02%0.06%-2.26%+750 bps
Growth
Asset Growth (YoY)6.80%4.13%4.45%5.11%8.91%8.70%7.01%5.11%0 bps
Loan Growth (YoY)-24.60%-26.24%-24.78%-24.00%-21.80%-20.63%-21.37%-21.21%+278 bps
Deposit Growth (YoY)-32.61%-4.33%-4.23%-8.10%-10.73%-10.94%-12.25%-8.20%-10 bps
Asset Quality
Nonperforming Loans / Loans4.53%4.96%5.20%4.84%5.66%6.12%6.58%6.86%+202 bps
Net Charge-Offs / Loans0.40%0.22%-0.50%-0.25%-0.33%-0.23%-0.46%-0.29%-4 bps
Allowance / Loans2.42%1.80%2.02%2.15%2.40%1.20%1.38%1.50%-65 bps
Allowance Coverage of NPLs0.5x0.4x0.4x0.4x0.4x0.2x0.2x0.2x-0.2x
Capital
Tier 1 Leverage Ratio86.02%83.37%86.50%87.44%89.31%84.22%86.88%86.89%-55 bps
Total Risk-Based Capital276%270%266%282%287%292%274%275%-737 bps
Equity / Assets86.49%84.87%86.71%86.28%85.14%86.62%88.62%88.23%+196 bps
Liquidity & Funding
Loans / Deposits622%588%567%561%545%524%508%481%-7,951 bps
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/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

Wilmington Trust, National Association

Wilmington, DE · Cert 34069 · Peer group: banks under $1B in assets (n=581-629) · M&T Bank Corp.

National charter · OCC · 1 affiliate bank · 41 branches (998 in holding)

Q2 2026

$772.1MAssets
$23.8MLoans
$4.9MDeposits
$681.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of banks under $1B in assets (rank 13 of 629).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 576 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.77%

Rank 99 of 629

Net Interest Margin

0.27%

Rank 624 of 629

Efficiency Ratio

95.42%

Rank 574 of 629

Equity / Assets

88.23%

Rank 20 of 629

Non-interest income vs. expense

$431.1M$413.3MINCOMEEXPENSE
Favorable gap of $17.7M · efficiency ratio beats 9% of banks under $1B in assets
Bank 95.42%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.77%0.60%1.01%1.45%Beats 84%99 / 629
Return on Equity2.01%5.38%9.30%13.28%Beats 12%553 / 629
Net Interest Margin0.27%3.03%3.54%4.05%Beats 1%624 / 629
Efficiency Ratio95.42%58.35%67.79%79.08%Beats 9%574 / 629
Asset Quality
Nonperforming Loans / Loans6.86%0.09%0.46%1.20%Beats 1%576 / 581
Net Charge-Offs / Loans0.21%n/a0.01%0.06%Beats 8%533 / 581
Capital
Tier 1 Capital Ratio274%11.24%13.84%18.77%Beats 98%13 / 629
Total Risk-Based Capital Ratio275%11.58%14.43%19.66%Beats 98%13 / 629
Equity / Assets88.23%9.09%10.65%13.80%Beats 97%20 / 629
Liquidity & Funding
Loans / Deposits481%67.24%80.90%93.48%100th pctl1 / 594
Loans / Assets3.08%53.31%67.71%78.15%8th pctl580 / 629
Brokered Deposits / Depositsn/aNot reported for this institution