Key National Trust Company of Delaware

Wilmington, DE · Cert 59069

FDIC

Q2 2026

$9.9MAssets

$0KLoans

$0KDeposits

$9.7MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	14.78%	17.84%	9.40%	11.96%	7.51%	9.84%	5.98%	12.73%	+77 bps
Return on Equity	15.09%	18.15%	9.59%	12.23%	7.63%	9.92%	6.06%	12.98%	+75 bps
Net Interest Margin	0.10%	0.14%	0.09%	0.14%	0.09%	0.13%	0.09%	0.12%	-1 bps
Efficiency Ratio	24.76%	19.87%	51.71%	28.07%	52.44%	38.48%	58.30%	22.43%	-564 bps
Non-Interest Burden	-19.40%	-23.36%	-12.40%	-15.78%	-9.90%	-12.91%	-7.82%	-16.79%	-101 bps
Growth
Asset Growth (YoY)	13.17%	14.93%	15.64%	14.34%	11.66%	9.28%	9.10%	9.23%	-511 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	100.18%	100.70%	99.87%	100.16%	100.35%	100.60%	99.57%	100.31%	+15 bps
Total Risk-Based Capital	474%	475%	477%	479%	487%	490%	469%	468%	-1,094 bps
Equity / Assets	98.44%	98.23%	97.85%	97.75%	99.29%	99.18%	98.09%	98.06%	+31 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a