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Sei Private Trust Company

Oaks, PA · Cert 35388

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

65

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

Sei Private Trust Company

Oaks, PA · Cert 35388

State savings bank · OCC · 1 branch

Q2 2026

$208.5MAssets
$0KLoans
$500KDeposits
$190.8MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2024Q2 2026

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #80 of 88 inst. · $0.0B of $685.1B

Executive Summary

  • Earnings: ROA of 53.73%, up 1,308 bps year over year; NIM at 2.85%.
  • Capital: tier 1 leverage ratio of 80.40%, down 845 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

53.73%+1,308 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-47 bps YoY

Efficiency Ratio (YTD, annualized)

56.34%-180 bps YoY

Tier 1 Leverage Ratio

80.40%-845 bps YoY

NIM

2.89%Q2 ’243.32%Q2 ’252.85%Q2 ’26+15%-14%

Non-interest income vs. expense

82.21%Q2 ’2472.54%Q2 ’2586.47%Q2 ’26-1%-31%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets39.09%38.79%39.65%40.65%41.51%41.90%50.45%53.73%+1,308 bps
Return on Equity42.16%41.78%42.59%43.54%44.54%45.11%55.31%58.84%+1,530 bps
Net Interest Margin2.99%2.60%3.26%3.31%3.34%3.27%2.76%2.85%-47 bps
Efficiency Ratio60.48%61.03%57.61%58.14%58.49%59.24%57.30%56.34%-180 bps
Non-Interest Burden-48.47%-41.77%-47.30%-48.91%-51.17%-52.79%-60.71%-64.17%-1,526 bps
Growth
Asset Growth (YoY)24.11%34.28%24.00%14.67%-6.15%-17.53%-19.05%-23.00%-3,767 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
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 Ratio104.54%96.91%88.29%88.86%84.72%83.59%85.73%80.40%-845 bps
Total Risk-Based Capital352%361%372%351%333%354%369%359%+838 bps
Equity / Assets93.41%93.29%92.90%93.89%92.70%91.34%91.08%91.51%-238 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
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/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

Sei Private Trust Company

Oaks, PA · Cert 35388 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31)

State savings bank · OCC · 1 branch

Q2 2026

$208.5MAssets
$0KLoans
$500KDeposits
$190.8MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 1 of 31).
  • Widest gap: net interest margin trails 68% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 21 of 31).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

58.46%

Rank 1 of 31

Net Interest Margin

2.85%

Rank 21 of 31

Efficiency Ratio

56.34%

Rank 12 of 31

Equity / Assets

91.51%

Rank 3 of 31

Non-interest income vs. expense

$366.8M$210.5MINCOMEEXPENSE
Favorable gap of $156.2M · efficiency ratio beats 65% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 56.34%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets58.46%0.63%0.93%2.39%Beats 97%1 / 31
Return on Equity63.88%4.15%7.07%14.29%Beats 97%1 / 31
Net Interest Margin2.85%2.72%3.26%3.84%Beats 32%21 / 31
Efficiency Ratio56.34%49.04%63.83%80.34%Beats 65%12 / 31
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio359%13.01%19.43%42.39%Beats 97%1 / 31
Total Risk-Based Capital Ratio359%13.95%20.55%43.38%Beats 97%1 / 31
Equity / Assets91.51%9.21%12.36%21.28%Beats 90%3 / 31
Liquidity & Funding
Loans / Deposits0.00%52.41%83.15%99.86%0th pctl28 / 31
Loans / Assets0.00%37.80%67.87%79.23%0th pctl28 / 31
Brokered Deposits / Depositsn/aNot reported for this institution