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Letter portraitLegal landscapeQuarterYTD

Vanguard National Trust Company, National Association

Malvern, PA · Cert 57304

FDIC

Q2 2026

$196.6MAssets
$0KLoans
$0KDeposits
$90.1MEquity

NIM

2.23%Q2 ’242.99%Q2 ’252.11%Q2 ’26+34%-30%

Non-interest income vs. expense

148.02%Q2 ’24157.80%Q2 ’25158.79%Q2 ’26-5%-29%

Executive Summary

  • Earnings: ROA of 3.09%, down 15 bps year over year; NIM at 2.11%.
  • Capital: tier 1 leverage ratio of 47.63%, down 641 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

3.09%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.11%-89 bps YoY

Efficiency Ratio (YTD, annualized)

97.30%+24 bps YoY

Tier 1 Leverage Ratio

47.63%-641 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.24%3.12%2.99%3.05%3.09%-15 bps
Return on Equity6.84%6.43%6.13%7.31%7.18%+34 bps
Net Interest Margin2.99%2.89%2.59%2.12%2.11%-89 bps
Efficiency Ratio97.06%97.31%97.49%97.20%97.30%+24 bps
Non-Interest Burden-1.78%-1.97%-1.90%-1.89%-2.30%-52 bps
Growth
Asset Growth (YoY)9.94%9.68%13.22%14.46%24.47%+1,453 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 Ratio54.04%58.97%57.49%42.16%47.63%-641 bps
Total Risk-Based Capital182.40%170.88%157.16%154.15%146.85%-3,555 bps
Equity / Assets53.55%52.01%50.10%35.80%45.83%-772 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a