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Cetera Trust Company, N.A.

Saint Paul, MN · Cert 57405

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

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 in MN (n=113). 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

4

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

Cetera Trust Company, N.A.

Saint Paul, MN · Cert 57405

FDIC

Q2 2026

$17.8MAssets
$0KLoans
$0KDeposits
$16.7MEquity

Executive Summary

  • Earnings: ROA of 2.61%, up 32 bps year over year; NIM at 4.07%.
  • Capital: tier 1 leverage ratio of 93.05%, up 143 bps from a year ago.

Return on Assets (YTD, annualized)

2.61%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-16 bps YoY

Efficiency Ratio (YTD, annualized)

88.08%-83 bps YoY

Tier 1 Leverage Ratio

93.05%+143 bps YoY

NIM

3.72%Q2 ’243.67%Q2 ’253.57%Q2 ’26-2%-4%

Non-interest income vs. expense

32.09%Q2 ’2432.78%Q2 ’2534.82%Q2 ’26+221%-93%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.78%2.82%5.41%2.29%1.66%1.97%1.93%2.61%+32 bps
Return on Equity3.17%3.19%5.87%2.47%1.80%2.14%2.10%2.82%+34 bps
Net Interest Margin4.03%4.14%3.77%4.23%4.04%4.34%3.66%4.07%-16 bps
Efficiency Ratio86.89%87.13%77.28%88.90%91.25%90.32%89.62%88.08%-83 bps
Non-Interest Burden-0.32%-0.05%-3.73%0.78%1.48%1.36%0.41%0.06%-72 bps
Growth
Asset Growth (YoY)3.82%-2.87%-8.54%3.78%1.57%3.13%3.31%1.18%-260 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 Ratio91.11%89.95%91.84%91.62%91.31%91.55%90.66%93.05%+143 bps
Total Risk-Based Capital105.10%105.28%107.12%110.02%109.45%115.46%115.16%122.48%+1,246 bps
Equity / Assets91.39%91.08%93.25%92.84%92.25%92.08%91.94%93.90%+106 bps
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/a0.00%0.00%0.00%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

Cetera Trust Company, N.A.

Saint Paul, MN · Cert 57405 · Peer group: banks under $1B in assets in MN (n=113)

FDIC

Q2 2026

$17.8MAssets
$0KLoans
$0KDeposits
$16.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets in MN (rank 1 of 113).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets in MN (rank 109 of 113).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

2.63%

Rank 2 of 113

Net Interest Margin

4.07%

Rank 43 of 113

Efficiency Ratio

90.84%

Rank 109 of 113

Equity / Assets

93.90%

Rank 1 of 113

Non-interest income vs. expense

$6.0M$6.0MINCOMEEXPENSE
Unfavorable gap of $0.0M · efficiency ratio beats 4% of banks under $1B in assets in MN
Bank 90.84%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.63%0.87%1.20%1.41%Beats 98%2 / 113
Return on Equity2.80%8.92%11.27%13.99%Beats 8%104 / 113
Net Interest Margin4.07%3.42%3.88%4.31%Beats 62%43 / 113
Efficiency Ratio90.84%54.13%61.48%69.86%Beats 4%109 / 113
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio122.48%11.53%13.31%18.13%Beats 99%1 / 113
Total Risk-Based Capital Ratio122.48%12.12%14.43%19.39%Beats 99%1 / 113
Equity / Assets93.90%8.52%10.10%11.94%Beats 99%1 / 113
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%55.01%66.35%75.50%0th pctl112 / 113
Brokered Deposits / Depositsn/aNot reported for this institution