PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Adp Trust Company National Association

Wilmington, DE · Cert 59194

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of 61.60%, up 215 bps year over year; NIM at 2.62%.
  • Capital: tier 1 leverage ratio of 94.43%, up 45 bps from a year ago.

Return on Assets (quarter, annualized)

61.60%+215 bps YoY

Net Interest Margin (quarter, annualized)

2.62%-53 bps YoY

Efficiency Ratio (quarter, annualized)

17.13%+54 bps YoY

Tier 1 Leverage Ratio

94.43%+45 bps YoY

NIM

3.89%Q2 ’243.15%Q2 ’252.62%Q2 ’26-19%-17%

Non-interest income vs. expense

18.46%Q2 ’2415.75%Q2 ’2516.78%Q2 ’26-1%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets48.60%62.24%88.11%59.46%47.57%62.41%91.32%61.60%+215 bps
Return on Equity53.07%69.42%103.55%68.79%53.74%70.62%105.94%70.35%+156 bps
Net Interest Margin4.04%3.79%2.99%3.15%3.36%3.13%2.55%2.62%-53 bps
Efficiency Ratio19.50%17.13%13.84%16.58%18.69%16.89%14.44%17.13%+54 bps
Non-Interest Burden-61.71%-64.48%-116.06%-76.07%-60.22%-66.01%-120.93%-78.57%-250 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