Stifel Trust Company Delaware, National Association

Greenville, DE · Cert 59043 · Stifel Financial Corp.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31). 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

Asset Quality

No peer data yet

Profitability

Liquidity

Efficiency

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.

Stifel Trust Company Delaware, National Association

Greenville, DE · Cert 59043 · Stifel Financial Corp.

National charter · OCC · 3 affiliate banks · 1 branch (6 in holding)

Q2 2026

$329.5MAssets

$0KLoans

$302.1MDeposits

$25.5MEquity

Deposit mix

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #46 of 88 inst. · $0.3B of $685.1B

Executive Summary

Earnings: ROA of 2.79%, up 43 bps year over year; NIM at 3.52%.
Capital: tier 1 leverage ratio of 11.44%, down 14 bps from a year ago.
Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.79%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+68 bps YoY

Efficiency Ratio (YTD, annualized)

27.34%-345 bps YoY

Tier 1 Leverage Ratio

11.44%-14 bps YoY

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	2.61%	2.47%	2.22%	2.36%	2.48%	2.48%	2.77%	2.79%	+43 bps
Return on Equity	37.80%	38.28%	38.72%	37.55%	36.76%	35.51%	34.54%	35.20%	-235 bps
Net Interest Margin	3.32%	2.98%	2.80%	2.85%	2.99%	3.08%	3.48%	3.52%	+68 bps
Efficiency Ratio	29.92%	30.68%	31.98%	30.79%	29.52%	28.64%	27.23%	27.34%	-345 bps
Non-Interest Burden	-0.44%	-0.39%	-0.44%	-0.38%	-0.40%	-0.41%	-0.43%	-0.44%	-6 bps
Growth
Asset Growth (YoY)	-13.80%	6.84%	-4.67%	12.03%	16.23%	2.54%	13.38%	3.38%	-865 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-16.23%	10.95%	-5.49%	11.16%	15.78%	-1.03%	11.14%	3.25%	-791 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	12.05%	10.76%	11.62%	11.58%	12.12%	11.92%	11.86%	11.44%	-14 bps
Total Risk-Based Capital	47.71%	46.41%	47.51%	46.49%	52.85%	51.67%	54.64%	49.75%	+326 bps
Equity / Assets	7.41%	4.82%	6.81%	7.42%	8.02%	7.84%	8.22%	7.73%	+31 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	45.90%	56.69%	51.28%	55.87%	61.24%	63.64%	63.92%	63.63%	+776 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a

Stifel Trust Company Delaware, National Association

Greenville, DE · Cert 59043 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31) · Stifel Financial Corp.

National charter · OCC · 3 affiliate banks · 1 branch (6 in holding)

Q2 2026

$329.5MAssets

$0KLoans

$302.1MDeposits

$25.5MEquity

Executive Summary

Strongest standing: return on equity outperforms 94% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 2 of 31).
Widest gap: equity / assets trails 94% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 29 of 31).
Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.91%

Rank 7 of 31

Net Interest Margin

3.52%

Rank 11 of 31

Efficiency Ratio

27.34%

Rank 3 of 31

Equity / Assets

7.73%

Rank 29 of 31

Non-interest income vs. expense

Favorable gap of $1.5M · efficiency ratio beats 94% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	2.91%	0.63%	0.93%	2.39%	Beats 77%	7 / 31
Return on Equity	37.64%	4.15%	7.07%	14.29%	Beats 94%	2 / 31
Net Interest Margin	3.52%	2.72%	3.26%	3.84%	Beats 65%	11 / 31
Efficiency Ratio	27.34%	49.04%	63.83%	80.34%	Beats 94%	3 / 31
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	49.75%	13.01%	19.43%	42.39%	Beats 77%	7 / 31
Total Risk-Based Capital Ratio	49.75%	13.95%	20.55%	43.38%	Beats 77%	7 / 31
Equity / Assets	7.73%	9.21%	12.36%	21.28%	Beats 6%	29 / 31
Liquidity & Funding
Loans / Deposits	0.00%	52.41%	83.15%	99.86%	0th pctl	28 / 31
Loans / Assets	0.00%	37.80%	67.87%	79.23%	0th pctl	28 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution