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Bessemer Trust Company of Delaware, National Association

Wilmington, DE · Cert 58011

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=594 to 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q1 2026Q2 2026peer median

Efficiency

68

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

Bessemer Trust Company of Delaware, National Association

Wilmington, DE · Cert 58011

FDIC

Q2 2026

$40.4MAssets
$0KLoans
$14KDeposits
$36.8MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $14KQ2 2025Q2 2026

NIM

2.52%Q2 ’242.43%Q2 ’252.34%Q2 ’26-4%-4%

Non-interest income vs. expense

102.79%Q2 ’24106.93%Q2 ’25127.17%Q2 ’26-4%-11%

Executive Summary

  • Earnings: ROA of 61.70%, up 201 bps year over year; NIM at 2.34%.
  • Capital: tier 1 leverage ratio of 86.33%, up 1,108 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

61.70%+201 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-9 bps YoY

Efficiency Ratio (YTD, annualized)

61.51%+174 bps YoY

Tier 1 Leverage Ratio

86.33%+1,108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets59.69%62.57%66.05%58.02%61.70%+201 bps
Return on Equity69.07%71.87%75.64%66.22%69.50%+43 bps
Net Interest Margin2.43%2.39%2.35%2.39%2.34%-9 bps
Efficiency Ratio59.77%56.87%56.17%64.37%61.51%+174 bps
Non-Interest Burden-69.53%-73.28%-73.68%-70.46%-77.22%-769 bps
Growth
Asset Growth (YoY)6.52%9.59%16.36%3.94%17.04%+1,052 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 Ratio75.25%87.27%73.50%78.17%86.33%+1,108 bps
Total Risk-Based Capital75.25%87.27%73.50%78.17%86.33%+1,108 bps
Equity / Assets88.81%88.63%88.39%86.86%90.99%+218 bps
Liquidity & Funding
Loans / Depositsn/an/a0.00%0.00%0.00%n/a
Liquid Assets / Assets56.05%63.99%21.20%12.79%11.56%-4,449 bps
CRE / Total Capitaln/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

Bessemer Trust Company of Delaware, National Association

Wilmington, DE · Cert 58011 · Peer group: banks under $1B in assets (n=594-629)

FDIC

Q2 2026

$40.4MAssets
$0KLoans
$14KDeposits
$36.8MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets (rank 2 of 629).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets (rank 581 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

59.26%

Rank 2 of 629

Net Interest Margin

2.34%

Rank 581 of 629

Efficiency Ratio

61.51%

Rank 200 of 629

Equity / Assets

90.99%

Rank 16 of 629

Non-interest income vs. expense

$87.1M$54.2MINCOMEEXPENSE
Favorable gap of $32.9M · efficiency ratio beats 68% of banks under $1B in assets
Bank 61.51%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets59.26%0.60%1.01%1.45%Beats 100%2 / 629
Return on Equity65.13%5.38%9.30%13.28%Beats 100%3 / 629
Net Interest Margin2.34%3.03%3.54%4.05%Beats 8%581 / 629
Efficiency Ratio61.51%58.35%67.79%79.08%Beats 68%200 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio86.33%11.24%13.84%18.77%Beats 93%41 / 629
Total Risk-Based Capital Ratio86.33%11.58%14.43%19.66%Beats 93%41 / 629
Equity / Assets90.99%9.09%10.65%13.80%Beats 97%16 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution