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