PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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