PackageTrendsPeer
Letter portraitLegal landscape

Neuberger Berman Trust Company of Delaware National Association

Wilmington, DE · Cert 59047

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=617). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

39

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 of Delaware National Association

Wilmington, DE · Cert 59047

FDIC

Q2 2026

$9.2MAssets
$0KLoans
$0KDeposits
$7.7MEquity

Executive Summary

  • Earnings: ROA of 3.59%, down 22 bps year over year; NIM at 1.93%.
  • Capital: tier 1 leverage ratio of 94.68%, down 123 bps from a year ago.

Return on Assets (YTD, annualized)

3.59%-22 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-38 bps YoY

Efficiency Ratio (YTD, annualized)

97.17%+17 bps YoY

Tier 1 Leverage Ratio

94.68%-123 bps YoY

NIM

2.80%Q2 ’242.30%Q2 ’251.93%Q2 ’26-18%-16%

Non-interest income vs. expense

215%Q2 ’24203%Q2 ’25206%Q2 ’26+1%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.58%4.23%3.80%3.81%3.87%3.82%3.59%3.59%-22 bps
Return on Equity5.42%5.03%4.55%4.52%4.61%4.57%4.29%4.30%-23 bps
Net Interest Margin2.75%2.65%2.24%2.30%2.27%2.17%1.94%1.93%-38 bps
Efficiency Ratio96.90%96.93%97.00%97.00%97.04%97.10%97.06%97.17%+17 bps
Non-Interest Burden-4.02%-4.02%-4.23%-3.98%-4.12%-3.96%-4.18%-4.07%-10 bps
Growth
Asset Growth (YoY)11.25%8.08%6.19%3.11%4.65%5.58%3.28%7.61%+450 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 Ratio95.25%94.43%94.61%95.91%95.68%93.45%94.40%94.68%-123 bps
Total Risk-Based Capital166.35%166.33%171.36%179.91%169.78%166.41%179.08%171.89%-802 bps
Equity / Assets83.31%82.94%84.01%85.73%83.24%82.24%85.09%83.30%-242 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

Neuberger Berman Trust Company of Delaware National Association

Wilmington, DE · Cert 59047 · Peer group: banks under $1B in assets (n=617)

FDIC

Q2 2026

$9.2MAssets
$0KLoans
$0KDeposits
$7.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets (rank 22 of 617).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets (rank 595 of 617).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

3.54%

Rank 36 of 617

Net Interest Margin

1.93%

Rank 595 of 617

Efficiency Ratio

97.17%

Rank 568 of 617

Equity / Assets

83.30%

Rank 28 of 617

Non-interest income vs. expense

$17.0M$16.7MINCOMEEXPENSE
Favorable gap of $0.3M · efficiency ratio beats 8% of banks under $1B in assets
Bank 97.17%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets3.54%0.60%1.01%1.45%Beats 94%36 / 617
Return on Equity4.25%5.30%9.43%13.30%Beats 19%500 / 617
Net Interest Margin1.93%3.04%3.54%4.05%Beats 4%595 / 617
Efficiency Ratio97.17%58.03%67.76%79.08%Beats 8%568 / 617
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio171.89%11.18%13.83%18.55%Beats 96%22 / 617
Total Risk-Based Capital Ratio171.89%11.56%14.39%19.39%Beats 96%22 / 617
Equity / Assets83.30%9.03%10.55%13.63%Beats 95%28 / 617
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%51.70%67.18%77.51%0th pctl571 / 617
Brokered Deposits / Depositsn/aNot reported for this institution