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Adp Trust Company National Association

Wilmington, DE · Cert 59194

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=617). 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

69

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

99

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

Adp Trust Company National Association

Wilmington, DE · Cert 59194

FDIC

Q2 2026

$48.8MAssets
$0KLoans
$0KDeposits
$43.3MEquity

Executive Summary

  • Earnings: ROA of 75.41%, up 273 bps year over year; NIM at 2.33%.
  • Capital: tier 1 leverage ratio of 94.43%, up 45 bps from a year ago.

Return on Assets (YTD, annualized)

75.41%+273 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-45 bps YoY

Efficiency Ratio (YTD, annualized)

15.68%+57 bps YoY

Tier 1 Leverage Ratio

94.43%+45 bps YoY

NIM

3.53%Q2 ’242.78%Q2 ’252.33%Q2 ’26-21%-16%

Non-interest income vs. expense

17.46%Q2 ’2415.55%Q2 ’2516.73%Q2 ’26-1%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets63.27%65.70%88.11%72.68%63.29%66.18%91.32%75.41%+273 bps
Return on Equity70.49%73.94%103.55%84.63%72.68%76.15%105.94%86.53%+189 bps
Net Interest Margin3.46%3.37%2.99%2.78%2.75%2.81%2.55%2.33%-45 bps
Efficiency Ratio17.48%17.40%13.84%15.11%16.19%16.36%14.44%15.68%+57 bps
Non-Interest Burden-71.09%-65.77%-116.06%-84.61%-69.83%-68.01%-120.93%-87.66%-305 bps
Growth
Asset Growth (YoY)2.63%6.59%7.39%8.81%9.55%0.96%2.71%2.17%-664 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio99.28%55.38%98.55%93.98%94.84%54.44%98.94%94.43%+45 bps
Total Risk-Based Capital938%404%449%597%705%366%443%643%+4,684 bps
Equity / Assets93.15%84.36%85.66%87.08%89.82%86.00%86.36%88.61%+152 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets15.90%26.77%20.47%18.78%13.95%25.96%17.29%16.31%-247 bps
CRE / Total Capitaln/an/an/an/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

Adp Trust Company National Association

Wilmington, DE · Cert 59194 · Peer group: banks under $1B in assets (n=617)

FDIC

Q2 2026

$48.8MAssets
$0KLoans
$0KDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets (rank 1 of 617).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 574 of 617).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

63.39%

Rank 1 of 617

Net Interest Margin

2.33%

Rank 574 of 617

Efficiency Ratio

15.68%

Rank 5 of 617

Equity / Assets

88.61%

Rank 19 of 617

Non-interest income vs. expense

$47.8M$7.7MINCOMEEXPENSE
Favorable gap of $40.1M · efficiency ratio beats 99% of banks under $1B in assets
Bank 15.68%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets63.39%0.60%1.01%1.45%Beats 100%1 / 617
Return on Equity71.55%5.30%9.43%13.30%Beats 100%1 / 617
Net Interest Margin2.33%3.04%3.54%4.05%Beats 7%574 / 617
Efficiency Ratio15.68%58.03%67.76%79.08%Beats 99%5 / 617
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio643%11.18%13.83%18.55%Beats 100%3 / 617
Total Risk-Based Capital Ratio643%11.56%14.39%19.39%Beats 100%3 / 617
Equity / Assets88.61%9.03%10.55%13.63%Beats 97%19 / 617
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%51.70%67.18%77.51%0th pctl571 / 617
Brokered Deposits / Depositsn/aNot reported for this institution