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Vanguard National Trust Company, National Association

Malvern, PA · Cert 57304

FDIC

Q2 2026

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

NIM

1.91%Q2 ’242.54%Q2 ’251.87%Q2 ’26+33%-27%

Non-interest income vs. expense

152.93%Q2 ’24160.58%Q2 ’25163.35%Q2 ’26-12%-32%

Executive Summary

  • Earnings: ROA of 2.84%, up 1 bps year over year; NIM at 1.87%.
  • Capital: tier 1 leverage ratio of 47.63%, down 641 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

2.84%+1 bps YoY

Net Interest Margin (quarter, annualized)

1.87%-67 bps YoY

Efficiency Ratio (quarter, annualized)

97.40%+8 bps YoY

Tier 1 Leverage Ratio

47.63%-641 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.82%2.96%2.68%3.05%2.84%+1 bps
Return on Equity6.29%5.62%5.26%7.31%7.05%+76 bps
Net Interest Margin2.54%2.22%2.04%2.12%1.87%-67 bps
Efficiency Ratio97.32%97.76%97.99%97.20%97.40%+8 bps
Non-Interest Burden-1.89%-2.09%-1.90%-1.89%-2.50%-61 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