PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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