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Letter portraitLegal landscapeQuarterYTD

Neuberger Berman Trust Company of Delaware National Association

Wilmington, DE · Cert 59047

FDIC

Q2 2026

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

NIM

2.85%Q2 ’242.35%Q2 ’251.93%Q2 ’26-18%-18%

Non-interest income vs. expense

214%Q2 ’24196.60%Q2 ’25212%Q2 ’26+9%-8%

Executive Summary

  • Earnings: ROA of 3.62%, down 20 bps year over year; NIM at 1.93%.
  • Capital: tier 1 leverage ratio of 94.68%, down 123 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

3.62%-20 bps YoY

Net Interest Margin (quarter, annualized)

1.93%-43 bps YoY

Efficiency Ratio (quarter, annualized)

97.28%+28 bps YoY

Tier 1 Leverage Ratio

94.68%-123 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.82%4.03%3.68%3.59%3.62%-20 bps
Return on Equity4.50%4.77%4.45%4.29%4.30%-20 bps
Net Interest Margin2.35%2.27%2.09%1.94%1.93%-43 bps
Efficiency Ratio97.01%97.10%97.28%97.06%97.28%+28 bps
Non-Interest Burden-3.71%-4.54%-3.88%-4.18%-4.00%-29 bps
Growth
Asset Growth (YoY)3.11%4.65%5.58%3.28%7.61%+450 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 Ratio95.91%95.68%93.45%94.40%94.68%-123 bps
Total Risk-Based Capital179.91%169.78%166.41%179.08%171.89%-802 bps
Equity / Assets85.73%83.24%82.24%85.09%83.30%-242 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