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Letter portraitLegal landscapeQuarterYTD

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