PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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