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Barclays Bank Delaware

Wilmington, DE · Cert 57203 · Barclays PLC

State charter, non-member · FDIC · 1 branch

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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

53

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

Barclays Bank Delaware

Wilmington, DE · Cert 57203 · Barclays PLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$43.5BAssets
$29.6BLoans
$35.3BDeposits
$6.0BEquity
Loan mix
0%RE $0.0B1%C&I $0.4B99%Consumer $34.8BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $35.2B0%Noninterest $0.1BQ2 2025Q2 2026

NIM

14.57%Q2 ’2413.80%Q2 ’2513.43%Q2 ’26-3%+2%

Non-interest income vs. expense

7.71%Q2 ’247.95%Q2 ’257.74%Q2 ’26+1%-33%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 5.2% share · #3 of 88 inst. · $35.3B of $685.1B

Executive Summary

  • Earnings: ROA of 2.40%, up 103 bps year over year; NIM at 10.63%.
  • Asset quality: problem loans at 1.67% of loans (+5 bps YoY), with net charge-offs at 4.73%.
  • Capital: tier 1 leverage ratio of 10.76%, down 246 bps from a year ago.
  • Funding: loans stand at 83.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.40%+103 bps YoY

Net Interest Margin (YTD, annualized)

10.63%+17 bps YoY

Efficiency Ratio (YTD, annualized)

54.95%-1,015 bps YoY

Tier 1 Leverage Ratio

10.76%-246 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.07%0.87%1.37%2.40%+103 bps
Return on Equity9.96%7.80%6.36%10.02%17.40%+744 bps
Net Interest Margin10.46%10.34%10.36%10.86%10.63%+17 bps
Efficiency Ratio65.11%64.87%64.66%60.79%54.95%-1,015 bps
Non-Interest Burden6.21%6.16%6.18%6.11%4.16%-204 bps
Growth
Asset Growth (YoY)9.56%13.51%6.58%3.03%-1.27%-1,083 bps
Loan Growth (YoY)5.52%10.69%10.62%10.24%-10.00%-1,553 bps
Deposit Growth (YoY)15.72%14.98%7.60%4.86%1.12%-1,460 bps
Asset Quality
Nonperforming Loans / Loans1.63%1.59%1.70%1.77%1.67%+5 bps
Net Charge-Offs / Loans3.82%3.50%3.33%3.77%4.73%+91 bps
Allowance / Loans6.91%7.12%7.21%7.46%8.92%+201 bps
Allowance Coverage of NPLs4.2x4.5x4.3x4.2x5.3x+1.1x
Capital
Tier 1 Leverage Ratio13.21%12.88%12.67%12.60%10.76%-246 bps
Total Risk-Based Capital18.00%17.38%16.56%17.27%17.04%-96 bps
Equity / Assets14.40%13.64%13.45%14.01%13.87%-53 bps
Liquidity & Funding
Loans / Deposits94.10%94.14%95.94%94.01%83.74%-1,035 bps
Liquid Assets / Assets16.82%17.91%15.43%16.62%23.51%+669 bps
CRE / Total Capitaln/a0.09%0.08%0.07%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

Barclays Bank Delaware

Wilmington, DE · Cert 57203 · Peer group: banks over $10B in assets (n=142-144) · Barclays PLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$43.5BAssets
$29.6BLoans
$35.3BDeposits
$6.0BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks over $10B in assets (rank 3 of 144).
  • Widest gap: net charge-offs / loans trails 97% of banks over $10B in assets (rank 139 of 142).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.53%

Rank 8 of 144

Net Interest Margin

10.63%

Rank 3 of 144

Efficiency Ratio

55.57%

Rank 69 of 144

Equity / Assets

13.87%

Rank 22 of 144

Non-interest income vs. expense

$1.7B$3.6BINCOMEEXPENSE
Unfavorable gap of $1.9B · efficiency ratio beats 53% of banks over $10B in assets
Bank 55.57%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.53%1.00%1.26%1.54%Beats 94%8 / 144
Return on Equity18.25%8.98%11.34%14.40%Beats 87%19 / 144
Net Interest Margin10.63%2.82%3.31%3.68%Beats 98%3 / 144
Efficiency Ratio55.57%49.42%56.02%62.41%Beats 53%69 / 144
Asset Quality
Nonperforming Loans / Loans1.67%0.48%0.73%1.07%Beats 11%128 / 142
Net Charge-Offs / Loans3.12%0.05%0.11%0.22%Beats 3%139 / 142
Capital
Tier 1 Capital Ratio15.70%12.07%12.98%14.92%Beats 82%26 / 144
Total Risk-Based Capital Ratio17.04%13.39%14.14%16.25%Beats 82%26 / 144
Equity / Assets13.87%9.69%11.39%12.96%Beats 85%22 / 144
Liquidity & Funding
Loans / Deposits83.74%75.72%84.92%91.56%45th pctl79 / 143
Loans / Assets68.06%59.83%69.07%74.80%42nd pctl83 / 144
Brokered Deposits / Depositsn/aNot reported for this institution