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Evercore Trust Company, National Association

Wilmington, DE · Cert 58927

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

100

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

10

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

Evercore Trust Company, National Association

Wilmington, DE · Cert 58927

FDIC

Q2 2026

$15.7MAssets
$0KLoans
$0KDeposits
$15.0MEquity

NIM

4.42%Q2 ’243.74%Q2 ’253.09%Q2 ’26-15%-17%

Non-interest income vs. expense

74.40%Q2 ’2492.19%Q2 ’2587.24%Q2 ’26+137%-325%

Executive Summary

  • Earnings: ROA of 3.14%, up 121 bps year over year; NIM at 3.09%.
  • Capital: tier 1 leverage ratio of 99.31%, down 180 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

3.14%+121 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-65 bps YoY

Efficiency Ratio (YTD, annualized)

94.15%-299 bps YoY

Tier 1 Leverage Ratio

99.31%-180 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.93%2.27%4.06%3.31%3.14%+121 bps
Return on Equity2.03%2.39%4.94%4.80%4.13%+211 bps
Net Interest Margin3.74%3.56%3.39%3.02%3.09%-65 bps
Efficiency Ratio97.14%96.69%93.37%93.25%94.15%-299 bps
Non-Interest Burden1.03%0.35%-2.93%-3.34%-2.32%-336 bps
Growth
Asset Growth (YoY)3.75%2.40%83.96%6.70%6.58%+283 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 Ratio101.11%101.73%99.11%99.95%99.31%-180 bps
Total Risk-Based Capital887%809%615%912%824%-6,280 bps
Equity / Assets95.48%95.04%54.07%94.33%95.07%-41 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

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

Evercore Trust Company, National Association

Wilmington, DE · Cert 58927 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$15.7MAssets
$0KLoans
$0KDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 100% of banks under $1B in assets (rank 2 of 629).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets (rank 570 of 629).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

3.89%

Rank 37 of 629

Net Interest Margin

3.09%

Rank 457 of 629

Efficiency Ratio

94.15%

Rank 570 of 629

Equity / Assets

95.07%

Rank 9 of 629

Non-interest income vs. expense

$13.5M$13.1MINCOMEEXPENSE
Favorable gap of $0.3M · efficiency ratio beats 10% of banks under $1B in assets
Bank 94.15%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.89%0.60%1.01%1.45%Beats 94%37 / 629
Return on Equity4.09%5.38%9.30%13.28%Beats 19%512 / 629
Net Interest Margin3.09%3.03%3.54%4.05%Beats 27%457 / 629
Efficiency Ratio94.15%58.35%67.79%79.08%Beats 10%570 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio824%11.24%13.84%18.77%Beats 100%2 / 629
Total Risk-Based Capital Ratio824%11.58%14.43%19.66%Beats 100%2 / 629
Equity / Assets95.07%9.09%10.65%13.80%Beats 99%9 / 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