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New Covenant Trust Company, National Association

Jeffersonville, IN · Cert 34732

FDIC

Q2 2026

$9.3MAssets
$0KLoans
$0KDeposits
$8.6MEquity

NIM

2.88%Q2 ’242.49%Q2 ’252.12%Q2 ’26-14%-15%

Non-interest income vs. expense

68.04%Q2 ’2470.30%Q2 ’2572.16%Q2 ’26-37%-1%

Executive Summary

  • Earnings: ROA of 12.23%, up 86 bps year over year; NIM at 2.12%.
  • Capital: tier 1 leverage ratio of 90.76%, down 92 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

12.23%+86 bps YoY

Net Interest Margin (quarter, annualized)

2.12%-37 bps YoY

Efficiency Ratio (quarter, annualized)

81.75%+55 bps YoY

Tier 1 Leverage Ratio

90.76%-92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.37%21.02%5.57%13.24%12.23%+86 bps
Return on Equity12.97%24.00%6.10%14.30%13.20%+23 bps
Net Interest Margin2.49%2.57%2.63%2.07%2.12%-37 bps
Efficiency Ratio81.19%81.93%78.20%80.46%81.75%+55 bps
Non-Interest Burden-13.80%-13.63%-17.42%-15.61%-13.99%-19 bps
Growth
Asset Growth (YoY)16.84%11.26%9.34%11.37%4.42%-1,242 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 Ratio91.68%94.30%93.33%95.12%90.76%-92 bps
Total Risk-Based Capital133.63%219%253%256%248%+11,472 bps
Equity / Assets84.75%90.51%92.22%92.92%92.39%+765 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets20.83%21.53%15.44%9.63%6.59%-1,424 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a