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Letter portraitLegal landscapeQuarterYTD

Computershare Trust Company, National Association

Canton, MA · Cert 34629

FDIC

Q2 2026

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

NIM

2.05%Q2 ’241.69%Q2 ’251.67%Q2 ’26-26%-9%

Non-interest income vs. expense

46.01%Q2 ’2447.67%Q2 ’2550.52%Q2 ’26+16%+2%

Executive Summary

  • Earnings: ROA of 27.74%, down 681 bps year over year; NIM at 2.96%.
  • Capital: tier 1 leverage ratio of 55.33%, down 1,571 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

27.74%-681 bps YoY

Net Interest Margin (quarter, annualized)

2.96%-29 bps YoY

Efficiency Ratio (quarter, annualized)

53.44%+215 bps YoY

Tier 1 Leverage Ratio

55.33%-1,571 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets34.55%33.54%29.28%26.75%27.74%-681 bps
Return on Equity40.18%39.51%34.63%31.72%33.85%-633 bps
Net Interest Margin3.25%3.26%3.08%2.85%2.96%-29 bps
Efficiency Ratio51.30%45.99%52.81%53.24%53.44%+215 bps
Non-Interest Burden-34.88%-41.36%-34.47%-33.28%-34.02%+85 bps
Growth
Asset Growth (YoY)-2.14%-0.33%0.36%4.15%-6.23%-409 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 Ratio71.04%69.64%70.29%70.18%55.33%-1,571 bps
Total Risk-Based Capital174.97%182.08%185.24%170.77%129.29%-4,568 bps
Equity / Assets86.35%83.47%85.68%83.02%80.75%-559 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets36.23%40.90%39.23%41.14%33.39%-284 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a