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Trustmark Bank

Jackson, MS · Cert 4988 · Trustmark Corp.

State charter, Fed member · FED · 176 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $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 over $10B in assets (n=142 to 144). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

23

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

Trustmark Bank

Jackson, MS · Cert 4988 · Trustmark Corp.

State charter, Fed member · FED · 176 branches

Q2 2026

$19.2BAssets
$14.2BLoans
$16.2BDeposits
$2.2BEquity
Loan mix
81%RE $9.9B18%C&I $2.2B1%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $12.8B21%Noninterest $3.4BQ2 2025Q2 2026

NIM

4.99%Q2 ’245.06%Q2 ’254.92%Q2 ’26+15%+2%

Non-interest income vs. expense

2.51%Q2 ’242.68%Q2 ’252.76%Q2 ’26+8%+5%

Market Position · Jackson, MS · 2026 SOD (annual) · 29.6% share · #1 of 30 inst. · $7.0B of $23.5B

37.9% Hinds
29.2% Madison
23.7% Rankin
17.8% Bay

Executive Summary

  • Earnings: ROA of 1.33%, up 9 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.14% of loans (-3 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.40%, up 12 bps from a year ago.
  • Funding: loans stand at 87.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+7 bps YoY

Efficiency Ratio (YTD, annualized)

63.05%+76 bps YoY

Tier 1 Leverage Ratio

10.40%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.25%1.26%1.26%1.33%+9 bps
Return on Equity10.78%10.80%10.90%10.75%11.39%+61 bps
Net Interest Margin3.48%3.50%3.51%3.53%3.55%+7 bps
Efficiency Ratio62.29%62.67%62.79%63.55%63.05%+76 bps
Non-Interest Burden1.79%1.84%1.85%1.88%1.88%+8 bps
Growth
Asset Growth (YoY)0.88%1.74%4.26%3.78%3.10%+222 bps
Loan Growth (YoY)2.57%3.45%4.99%5.50%3.87%+129 bps
Deposit Growth (YoY)-2.09%2.74%2.94%4.52%6.58%+866 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.21%1.35%1.53%1.14%-3 bps
Net Charge-Offs / Loans0.08%0.10%0.13%0.04%0.12%+4 bps
Allowance / Loans1.23%1.20%1.13%1.13%1.04%-19 bps
Allowance Coverage of NPLs1.0x1.0x0.8x0.7x0.9x-0.1x
Capital
Tier 1 Leverage Ratio10.29%10.35%10.37%10.35%10.40%+12 bps
Total Risk-Based Capital13.51%13.62%13.52%13.46%13.55%+5 bps
Equity / Assets11.58%11.65%11.71%11.68%11.63%+5 bps
Liquidity & Funding
Loans / Deposits89.94%87.52%89.21%89.34%87.65%-229 bps
Liquid Assets / Assets8.81%9.19%8.57%7.35%7.78%-103 bps
CRE / Total Capitaln/a346%341%338%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

Trustmark Bank

Jackson, MS · Cert 4988 · Peer group: banks over $10B in assets (n=142-144) · Trustmark Corp.

State charter, Fed member · FED · 176 branches

Q2 2026

$19.2BAssets
$14.2BLoans
$16.2BDeposits
$2.2BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 66% of banks over $10B in assets (rank 49 of 144).
  • Widest gap: nonperforming loans / loans trails 78% of banks over $10B in assets (rank 112 of 142).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.32%

Rank 62 of 144

Net Interest Margin

3.55%

Rank 49 of 144

Efficiency Ratio

63.05%

Rank 112 of 144

Equity / Assets

11.63%

Rank 64 of 144

Non-interest income vs. expense

$168.3M$526.4MINCOMEEXPENSE
Unfavorable gap of $358.0M · efficiency ratio beats 23% of banks over $10B in assets
Bank 63.05%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%1.00%1.26%1.54%Beats 57%62 / 144
Return on Equity11.34%8.98%11.34%14.40%Beats 51%71 / 144
Net Interest Margin3.55%2.82%3.31%3.68%Beats 66%49 / 144
Efficiency Ratio63.05%49.42%56.02%62.41%Beats 23%112 / 144
Asset Quality
Nonperforming Loans / Loans1.14%0.48%0.73%1.07%Beats 22%112 / 142
Net Charge-Offs / Loans0.09%0.05%0.11%0.22%Beats 57%62 / 142
Capital
Tier 1 Capital Ratio12.43%12.07%12.98%14.92%Beats 38%89 / 144
Total Risk-Based Capital Ratio13.55%13.39%14.14%16.25%Beats 31%100 / 144
Equity / Assets11.63%9.69%11.39%12.96%Beats 56%64 / 144
Liquidity & Funding
Loans / Deposits87.65%75.72%84.92%91.56%60th pctl57 / 143
Loans / Assets74.07%59.83%69.07%74.80%71st pctl42 / 144
Brokered Deposits / Depositsn/aNot reported for this institution