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Letter portraitLegal landscapeQuarterYTD

Wells Fargo Delaware Trust Company, National Association

Wilmington, DE · Cert 34465

FDIC

Q2 2026

$242.0MAssets
$0KLoans
$0KDeposits
$240.6MEquity

NIM

5.35%Q2 ’244.33%Q2 ’253.67%Q2 ’26-19%-15%

Non-interest income vs. expense

1.06%Q2 ’241.04%Q2 ’250.86%Q2 ’26-17%+0%

Executive Summary

  • Earnings: ROA of 4.04%, down 39 bps year over year; NIM at 3.67%.
  • Capital: tier 1 leverage ratio of 99.98%, down 9 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

4.04%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-66 bps YoY

Efficiency Ratio (YTD, annualized)

14.03%-89 bps YoY

Tier 1 Leverage Ratio

99.98%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.43%4.37%4.25%4.17%4.04%-39 bps
Return on Equity4.45%4.39%4.27%4.20%4.07%-38 bps
Net Interest Margin4.33%4.32%4.22%3.67%3.67%-66 bps
Efficiency Ratio14.91%15.52%16.13%13.85%14.03%-89 bps
Non-Interest Burden-1.61%-1.46%-1.40%-1.63%-1.61%0 bps
Growth
Asset Growth (YoY)0.18%-0.07%0.53%0.40%-0.14%-31 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 Ratio100.07%99.93%96.19%99.88%99.98%-9 bps
Total Risk-Based Capital497%492%497%493%497%+41 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