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Evercore Trust Company, National Association

Wilmington, DE · Cert 58927

FDIC

Q2 2026

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

NIM

4.48%Q2 ’243.82%Q2 ’253.21%Q2 ’26-15%-16%

Non-interest income vs. expense

75.36%Q2 ’2491.61%Q2 ’2587.94%Q2 ’26+127%-289%

Executive Summary

  • Earnings: ROA of 3.28%, up 108 bps year over year; NIM at 3.21%.
  • Capital: tier 1 leverage ratio of 99.31%, down 180 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

3.28%+108 bps YoY

Net Interest Margin (quarter, annualized)

3.21%-60 bps YoY

Efficiency Ratio (quarter, annualized)

95.06%-167 bps YoY

Tier 1 Leverage Ratio

99.31%-180 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.96%8.54%3.31%3.28%+108 bps
Return on Equity2.31%3.11%12.44%4.80%3.46%+116 bps
Net Interest Margin3.82%3.21%3.46%3.02%3.21%-60 bps
Efficiency Ratio96.73%95.86%84.73%93.25%95.06%-167 bps
Non-Interest Burden0.72%-1.00%-12.71%-3.34%-1.35%-207 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