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Goldman Sachs Trust Company, National Association, The

Wilmington, DE · Cert 57337

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=629). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

91

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

Goldman Sachs Trust Company, National Association, The

Wilmington, DE · Cert 57337

FDIC

Q2 2026

$198.2MAssets
$0KLoans
$0KDeposits
$146.2MEquity

Executive Summary

  • Earnings: ROA of 49.75%, up 146 bps year over year; NIM at 2.72%.
  • Capital: tier 1 leverage ratio of 82.94%, down 213 bps from a year ago.

Return on Assets (YTD, annualized)

49.75%+146 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-56 bps YoY

Efficiency Ratio (YTD, annualized)

48.24%0 bps YoY

Tier 1 Leverage Ratio

82.94%-213 bps YoY

NIM

3.79%Q2 ’243.28%Q2 ’252.72%Q2 ’26-14%-17%

Non-interest income vs. expense

55.08%Q2 ’2456.83%Q2 ’2558.37%Q2 ’26-1%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets52.36%56.38%51.81%48.29%52.31%54.92%53.52%49.75%+146 bps
Return on Equity69.58%74.64%66.74%62.37%70.34%73.62%70.82%66.45%+408 bps
Net Interest Margin3.83%5.04%3.63%3.28%3.12%4.11%2.96%2.72%-56 bps
Efficiency Ratio47.55%45.83%48.78%48.24%47.78%47.42%47.74%48.24%0 bps
Non-Interest Burden-53.00%-78.05%-66.81%-57.69%-52.37%-74.40%-69.38%-59.91%-222 bps
Growth
Asset Growth (YoY)9.78%12.54%12.01%11.38%13.27%9.88%13.69%15.58%+420 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio48.13%83.93%86.57%85.07%46.01%79.03%84.20%82.94%-213 bps
Total Risk-Based Capital203%233%264%263%192.07%222%250%243%-2,034 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Goldman Sachs Trust Company, National Association, The

Wilmington, DE · Cert 57337 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$198.2MAssets
$0KLoans
$0KDeposits
$146.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 4 of 629).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets (rank 542 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

42.01%

Rank 4 of 629

Net Interest Margin

2.71%

Rank 542 of 629

Efficiency Ratio

48.24%

Rank 60 of 629

Equity / Assets

73.79%

Rank 35 of 629

Non-interest income vs. expense

$208.6M$102.9MINCOMEEXPENSE
Favorable gap of $105.7M · efficiency ratio beats 91% of banks under $1B in assets
Bank 48.24%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets42.01%0.60%1.01%1.45%Beats 99%4 / 629
Return on Equity56.93%5.38%9.30%13.28%Beats 99%5 / 629
Net Interest Margin2.71%3.03%3.54%4.05%Beats 14%542 / 629
Efficiency Ratio48.24%58.35%67.79%79.08%Beats 91%60 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio243%11.24%13.84%18.77%Beats 97%16 / 629
Total Risk-Based Capital Ratio243%11.58%14.43%19.66%Beats 97%16 / 629
Equity / Assets73.79%9.09%10.65%13.80%Beats 94%35 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution