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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