Key National Trust Company of Delaware

Wilmington, DE · Cert 59069

FDIC

Q2 2026

$9.9MAssets

$0KLoans

$0KDeposits

$9.7MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	12.71%	14.04%	9.40%	10.70%	9.63%	9.68%	5.98%	9.40%	-130 bps
Return on Equity	12.99%	14.34%	9.59%	10.92%	9.80%	9.83%	6.06%	9.55%	-137 bps
Net Interest Margin	0.12%	0.12%	0.09%	0.11%	0.10%	0.11%	0.09%	0.10%	-1 bps
Efficiency Ratio	36.35%	31.65%	51.71%	40.65%	44.32%	42.90%	58.30%	38.89%	-176 bps
Non-Interest Burden	-16.13%	-17.46%	-12.40%	-13.92%	-12.42%	-12.34%	-7.82%	-12.21%	+172 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