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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

Executive Summary

  • Earnings: ROA of 3.91%, down 35 bps year over year; NIM at 3.70%.
  • Capital: tier 1 leverage ratio of 99.98%, down 9 bps from a year ago.

Return on Assets (quarter, annualized)

3.91%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.70%-68 bps YoY

Efficiency Ratio (quarter, annualized)

14.20%-56 bps YoY

Tier 1 Leverage Ratio

99.98%-9 bps YoY

NIM

5.37%Q2 ’244.38%Q2 ’253.70%Q2 ’26-18%-16%

Non-interest income vs. expense

1.04%Q2 ’241.01%Q2 ’250.88%Q2 ’26-2%-9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.20%4.92%4.60%4.27%4.24%3.86%4.17%3.91%-35 bps
Return on Equity5.21%4.93%4.61%4.28%4.27%3.89%4.20%3.94%-35 bps
Net Interest Margin5.37%4.75%4.34%4.38%4.39%4.00%3.67%3.70%-68 bps
Efficiency Ratio11.43%13.41%15.06%14.76%16.76%18.08%13.85%14.20%-56 bps
Non-Interest Burden-1.53%-1.63%-1.78%-1.46%-1.19%-1.24%-1.63%-1.60%-13 bps
Growth
Asset Growth (YoY)1.02%-0.06%-0.14%0.18%-0.07%0.53%0.40%-0.14%-31 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 Ratio100.48%95.59%100.39%100.07%99.93%96.19%99.88%99.98%-9 bps
Total Risk-Based Capital500%498%492%497%492%497%493%497%+41 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