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 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