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Key National Trust Company of Delaware

Wilmington, DE · Cert 59069

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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

97

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

Key National Trust Company of Delaware

Wilmington, DE · Cert 59069

FDIC

Q2 2026

$9.9MAssets
$0KLoans
$0KDeposits
$9.7MEquity

NIM

0.13%Q2 ’240.11%Q2 ’250.10%Q2 ’26-13%-9%

Non-interest income vs. expense

11.12%Q2 ’249.62%Q2 ’257.84%Q2 ’26+8%+12%

Executive Summary

  • Earnings: ROA of 9.40%, down 130 bps year over year; NIM at 0.10%.
  • Capital: tier 1 leverage ratio of 100.31%, up 15 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

9.40%-130 bps YoY

Net Interest Margin (YTD, annualized)

0.10%-1 bps YoY

Efficiency Ratio (YTD, annualized)

38.89%-176 bps YoY

Tier 1 Leverage Ratio

100.31%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets10.70%9.63%9.68%5.98%9.40%-130 bps
Return on Equity10.92%9.80%9.83%6.06%9.55%-137 bps
Net Interest Margin0.11%0.10%0.11%0.09%0.10%-1 bps
Efficiency Ratio40.65%44.32%42.90%58.30%38.89%-176 bps
Non-Interest Burden-13.92%-12.42%-12.34%-7.82%-12.21%+172 bps
Growth
Asset Growth (YoY)14.34%11.66%9.28%9.10%9.23%-511 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 Ratio100.16%100.35%100.60%99.57%100.31%+15 bps
Total Risk-Based Capital479%487%490%469%468%-1,094 bps
Equity / Assets97.75%99.29%99.18%98.09%98.06%+31 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

Key National Trust Company of Delaware

Wilmington, DE · Cert 59069 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$9.9MAssets
$0KLoans
$0KDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets (rank 8 of 629).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets (rank 627 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

9.12%

Rank 25 of 629

Net Interest Margin

0.10%

Rank 627 of 629

Efficiency Ratio

38.89%

Rank 21 of 629

Equity / Assets

98.06%

Rank 5 of 629

Non-interest income vs. expense

$1.9M$0.8MINCOMEEXPENSE
Favorable gap of $1.2M · efficiency ratio beats 97% of banks under $1B in assets
Bank 38.89%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets9.12%0.60%1.01%1.45%Beats 96%25 / 629
Return on Equity9.30%5.38%9.30%13.28%Beats 50%315 / 629
Net Interest Margin0.10%3.03%3.54%4.05%Beats 0%627 / 629
Efficiency Ratio38.89%58.35%67.79%79.08%Beats 97%21 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio468%11.24%13.84%18.77%Beats 99%8 / 629
Total Risk-Based Capital Ratio468%11.58%14.43%19.66%Beats 99%8 / 629
Equity / Assets98.06%9.09%10.65%13.80%Beats 99%5 / 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