PackageTrendsPeer
Letter portraitLegal landscape

Neuberger Berman Trust Company National Association

New York, NY · Cert 59046

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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

8

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

Neuberger Berman Trust Company National Association

New York, NY · Cert 59046

FDIC

Q2 2026

$32.5MAssets
$0KLoans
$0KDeposits
$20.7MEquity

NIM

2.97%Q2 ’242.35%Q2 ’252.01%Q2 ’26-21%-15%

Non-interest income vs. expense

223%Q2 ’24215%Q2 ’25232%Q2 ’26+4%+4%

Executive Summary

  • Earnings: ROA of 5.07%, down 60 bps year over year; NIM at 2.01%.
  • Capital: tier 1 leverage ratio of 74.03%, down 462 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

5.07%-60 bps YoY

Net Interest Margin (YTD, annualized)

2.01%-35 bps YoY

Efficiency Ratio (YTD, annualized)

96.41%+55 bps YoY

Tier 1 Leverage Ratio

74.03%-462 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.67%5.41%4.52%5.04%5.07%-60 bps
Return on Equity8.30%7.88%6.64%7.65%7.78%-52 bps
Net Interest Margin2.35%2.36%2.21%2.01%2.01%-35 bps
Efficiency Ratio95.86%96.00%96.09%96.32%96.41%+55 bps
Non-Interest Burden-6.93%-7.02%-6.73%-6.90%-6.65%+28 bps
Growth
Asset Growth (YoY)1.86%3.30%8.30%10.36%17.20%+1,534 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 Ratio78.65%80.03%76.65%75.12%74.03%-462 bps
Total Risk-Based Capital163.12%152.62%145.73%154.66%147.57%-1,556 bps
Equity / Assets70.11%69.42%66.02%65.86%63.78%-633 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

Neuberger Berman Trust Company National Association

New York, NY · Cert 59046 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$32.5MAssets
$0KLoans
$0KDeposits
$20.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets (rank 25 of 629).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets (rank 605 of 629).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

4.87%

Rank 33 of 629

Net Interest Margin

2.01%

Rank 605 of 629

Efficiency Ratio

96.41%

Rank 577 of 629

Equity / Assets

63.78%

Rank 42 of 629

Non-interest income vs. expense

$66.9M$65.0MINCOMEEXPENSE
Favorable gap of $1.9M · efficiency ratio beats 8% of banks under $1B in assets
Bank 96.41%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets4.87%0.60%1.01%1.45%Beats 95%33 / 629
Return on Equity7.63%5.38%9.30%13.28%Beats 37%399 / 629
Net Interest Margin2.01%3.03%3.54%4.05%Beats 4%605 / 629
Efficiency Ratio96.41%58.35%67.79%79.08%Beats 8%577 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio147.57%11.24%13.84%18.77%Beats 96%25 / 629
Total Risk-Based Capital Ratio147.57%11.58%14.43%19.66%Beats 96%25 / 629
Equity / Assets63.78%9.09%10.65%13.80%Beats 93%42 / 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