Neuberger Berman Trust Company National Association

New York, NY · Cert 59046

FDIC

Q2 2026

$32.5MAssets

$0KLoans

$0KDeposits

$20.7MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	6.48%	5.51%	5.34%	5.67%	5.41%	4.52%	5.04%	5.07%	-60 bps
Return on Equity	9.75%	8.28%	7.92%	8.30%	7.88%	6.64%	7.65%	7.78%	-52 bps
Net Interest Margin	2.90%	2.80%	2.32%	2.35%	2.36%	2.21%	2.01%	2.01%	-35 bps
Efficiency Ratio	95.70%	95.79%	95.94%	95.86%	96.00%	96.09%	96.32%	96.41%	+55 bps
Non-Interest Burden	-7.10%	-6.95%	-7.16%	-6.93%	-7.02%	-6.73%	-6.90%	-6.65%	+28 bps
Growth
Asset Growth (YoY)	9.35%	8.53%	4.48%	1.86%	3.30%	8.30%	10.36%	17.20%	+1,534 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)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
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	76.27%	76.49%	77.08%	78.65%	80.03%	76.65%	75.12%	74.03%	-462 bps
Total Risk-Based Capital	148.32%	147.58%	154.33%	163.12%	152.62%	145.73%	154.66%	147.57%	-1,556 bps
Equity / Assets	66.91%	66.89%	68.04%	70.11%	69.42%	66.02%	65.86%	63.78%	-633 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a