PackageTrendsPeer
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Computershare Trust Company, National Association

Canton, MA · Cert 34629

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=328). 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

54

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

Computershare Trust Company, National Association

Canton, MA · Cert 34629

FDIC

Q2 2026

$1.0BAssets
$0KLoans
$0KDeposits
$834.3MEquity

Executive Summary

  • Earnings: ROA of 27.53%, down 347 bps year over year; NIM at 2.91%.
  • Capital: tier 1 leverage ratio of 55.33%, down 1,571 bps from a year ago.

Return on Assets (YTD, annualized)

27.53%-347 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-26 bps YoY

Efficiency Ratio (YTD, annualized)

53.34%+207 bps YoY

Tier 1 Leverage Ratio

55.33%-1,571 bps YoY

NIM

2.25%Q2 ’241.65%Q2 ’251.64%Q2 ’26-35%-8%

Non-interest income vs. expense

45.73%Q2 ’2447.25%Q2 ’2550.11%Q2 ’26+13%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets29.54%29.73%27.52%31.00%31.79%31.30%26.75%27.53%-347 bps
Return on Equity35.31%35.34%32.03%36.03%37.23%36.63%31.72%33.09%-294 bps
Net Interest Margin4.47%4.11%3.24%3.17%3.09%3.11%2.85%2.91%-26 bps
Efficiency Ratio45.75%46.72%51.25%51.27%49.43%50.28%53.24%53.34%+207 bps
Non-Interest Burden-40.37%-39.25%-34.73%-34.55%-36.49%-36.42%-33.28%-33.85%+70 bps
Growth
Asset Growth (YoY)-1.11%-17.14%-5.38%-2.14%-0.33%0.36%4.15%-6.23%-409 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 Ratio69.67%67.10%68.93%71.04%69.64%70.29%70.18%55.33%-1,571 bps
Total Risk-Based Capital143.51%162.86%168.26%174.97%182.08%185.24%170.77%129.29%-4,568 bps
Equity / Assets83.31%86.19%85.62%86.35%83.47%85.68%83.02%80.75%-559 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets35.77%33.16%35.01%36.23%40.90%39.23%41.14%33.39%-284 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

Computershare Trust Company, National Association

Canton, MA · Cert 34629 · Peer group: banks $1B-$10B in assets (n=328)

FDIC

Q2 2026

$1.0BAssets
$0KLoans
$0KDeposits
$834.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks $1B-$10B in assets (rank 2 of 328).
  • Widest gap: net interest margin trails 80% of banks $1B-$10B in assets (rank 264 of 328).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

28.97%

Rank 2 of 328

Net Interest Margin

2.91%

Rank 264 of 328

Efficiency Ratio

58.54%

Rank 151 of 328

Equity / Assets

80.75%

Rank 3 of 328

Non-interest income vs. expense

$936.3M$558.8MINCOMEEXPENSE
Favorable gap of $377.5M · efficiency ratio beats 54% of banks $1B-$10B in assets
Bank 58.54%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets28.97%0.91%1.22%1.52%Beats 99%2 / 328
Return on Equity35.88%8.43%11.45%14.43%Beats 98%6 / 328
Net Interest Margin2.91%3.03%3.45%3.83%Beats 20%264 / 328
Efficiency Ratio58.54%51.61%59.56%67.53%Beats 54%151 / 328
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio129.29%11.75%13.15%15.47%Beats 99%4 / 328
Total Risk-Based Capital Ratio129.29%12.63%14.15%16.46%Beats 99%4 / 328
Equity / Assets80.75%9.15%10.33%12.01%Beats 99%3 / 328
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%65.18%74.15%79.98%0th pctl323 / 328
Brokered Deposits / Depositsn/aNot reported for this institution