PackageTrendsPeer
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Brown Brothers Harriman Trust Company of Delaware, NA

Wilmington, DE · Cert 59025

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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

47

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

Brown Brothers Harriman Trust Company of Delaware, NA

Wilmington, DE · Cert 59025

FDIC

Q2 2026

$14.9MAssets
$0KLoans
$0KDeposits
$9.9MEquity

Executive Summary

  • Earnings: ROA of 34.24%, down 32 bps year over year; NIM at 2.56%.
  • Capital: tier 1 leverage ratio of 60.00%, down 215 bps from a year ago.

Return on Assets (YTD, annualized)

34.24%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+60 bps YoY

Efficiency Ratio (YTD, annualized)

69.11%-96 bps YoY

Tier 1 Leverage Ratio

60.00%-215 bps YoY

NIM

2.03%Q2 ’241.97%Q2 ’252.56%Q2 ’26-3%+30%

Non-interest income vs. expense

139.97%Q2 ’24117.93%Q2 ’25110.87%Q2 ’26+5%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets34.05%36.89%28.92%34.56%31.76%34.46%32.71%34.24%-32 bps
Return on Equity58.16%68.60%65.92%68.27%58.21%68.35%76.67%68.90%+63 bps
Net Interest Margin1.83%1.76%1.45%1.97%2.01%1.99%2.48%2.56%+60 bps
Efficiency Ratio70.99%69.19%71.44%70.08%71.22%70.20%69.11%69.11%-96 bps
Non-Interest Burden-48.15%-46.11%-42.45%-48.39%-47.99%-45.08%-43.22%-46.99%+140 bps
Growth
Asset Growth (YoY)12.74%15.88%9.90%7.55%2.20%5.30%4.28%0.10%-745 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 Ratio71.37%40.49%49.79%62.15%70.26%39.10%46.54%60.00%-215 bps
Total Risk-Based Capital71.37%40.49%49.79%62.15%70.26%39.10%46.54%60.00%-215 bps
Equity / Assets67.30%38.01%50.46%66.42%66.36%36.30%49.89%66.90%+48 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

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

Brown Brothers Harriman Trust Company of Delaware, NA

Wilmington, DE · Cert 59025 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$14.9MAssets
$0KLoans
$0KDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 5 of 629).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets (rank 558 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

39.36%

Rank 5 of 629

Net Interest Margin

2.56%

Rank 558 of 629

Efficiency Ratio

69.11%

Rank 336 of 629

Equity / Assets

66.90%

Rank 41 of 629

Non-interest income vs. expense

$26.1M$18.3MINCOMEEXPENSE
Favorable gap of $7.8M · efficiency ratio beats 47% of banks under $1B in assets
Bank 69.11%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets39.36%0.60%1.01%1.45%Beats 99%5 / 629
Return on Equity58.83%5.38%9.30%13.28%Beats 99%4 / 629
Net Interest Margin2.56%3.03%3.54%4.05%Beats 11%558 / 629
Efficiency Ratio69.11%58.35%67.79%79.08%Beats 47%336 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio60.00%11.24%13.84%18.77%Beats 92%50 / 629
Total Risk-Based Capital Ratio60.00%11.58%14.43%19.66%Beats 92%50 / 629
Equity / Assets66.90%9.09%10.65%13.80%Beats 93%41 / 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