PackageTrendsPeer
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Cetera Trust Company, N.A.

Saint Paul, MN · Cert 57405

FDIC

Q2 2026

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

NIM

3.64%Q2 ’244.07%Q2 ’253.89%Q2 ’26+11%-5%

Non-interest income vs. expense

32.24%Q2 ’2437.09%Q2 ’2535.00%Q2 ’26+2397%-106%

Executive Summary

  • Earnings: ROA of 3.29%, up 411 bps year over year; NIM at 4.44%.
  • Capital: tier 1 leverage ratio of 93.05%, up 143 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

3.29%+411 bps YoY

Net Interest Margin (quarter, annualized)

4.44%-26 bps YoY

Efficiency Ratio (quarter, annualized)

86.60%-1,379 bps YoY

Tier 1 Leverage Ratio

93.05%+143 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.82%0.43%2.88%1.93%3.29%+411 bps
Return on Equity-0.88%0.46%3.13%2.10%3.54%+442 bps
Net Interest Margin4.70%3.73%5.31%3.66%4.44%-26 bps
Efficiency Ratio100.39%95.95%87.75%89.62%86.60%-1,379 bps
Non-Interest Burden5.28%2.87%1.04%0.41%-0.30%-558 bps
Growth
Asset Growth (YoY)3.78%1.57%3.13%3.31%1.18%-260 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 Ratio91.62%91.31%91.55%90.66%93.05%+143 bps
Total Risk-Based Capital110.02%109.45%115.46%115.16%122.48%+1,246 bps
Equity / Assets92.84%92.25%92.08%91.94%93.90%+106 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