PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Key National Trust Company of Delaware

Wilmington, DE · Cert 59069

FDIC

Q2 2026

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

NIM

0.16%Q2 ’240.14%Q2 ’250.12%Q2 ’26-13%-9%

Non-interest income vs. expense

7.61%Q2 ’246.21%Q2 ’254.89%Q2 ’26+24%-6%

Executive Summary

  • Earnings: ROA of 12.73%, up 77 bps year over year; NIM at 0.12%.
  • Capital: tier 1 leverage ratio of 100.31%, up 15 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

12.73%+77 bps YoY

Net Interest Margin (quarter, annualized)

0.12%-1 bps YoY

Efficiency Ratio (quarter, annualized)

22.43%-564 bps YoY

Tier 1 Leverage Ratio

100.31%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.96%7.51%9.84%5.98%12.73%+77 bps
Return on Equity12.23%7.63%9.92%6.06%12.98%+75 bps
Net Interest Margin0.14%0.09%0.13%0.09%0.12%-1 bps
Efficiency Ratio28.07%52.44%38.48%58.30%22.43%-564 bps
Non-Interest Burden-15.78%-9.90%-12.91%-7.82%-16.79%-101 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