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Chilton Trust Company, National Association

Palm Beach, FL · Cert 59255

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=629). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

31

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

Chilton Trust Company, National Association

Palm Beach, FL · Cert 59255

FDIC

Q2 2026

$22.4MAssets
$0KLoans
$0KDeposits
$16.1MEquity

NIM

3.56%Q2 ’242.93%Q2 ’252.52%Q2 ’26-18%-14%

Non-interest income vs. expense

49.68%Q2 ’2472.54%Q2 ’2571.46%Q2 ’26+15%-30%

Executive Summary

  • Earnings: ROA of 21.95%, up 463 bps year over year; NIM at 2.52%.
  • Capital: tier 1 leverage ratio of 73.71%, up 302 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

21.95%+463 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-41 bps YoY

Efficiency Ratio (YTD, annualized)

76.03%-384 bps YoY

Tier 1 Leverage Ratio

73.71%+302 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets17.33%18.75%18.72%20.64%21.95%+463 bps
Return on Equity25.39%27.52%27.46%29.50%31.06%+566 bps
Net Interest Margin2.93%2.88%2.77%2.50%2.52%-41 bps
Efficiency Ratio79.88%78.72%78.74%77.83%76.03%-384 bps
Non-Interest Burden-15.34%-16.70%-16.22%-18.23%-20.01%-467 bps
Growth
Asset Growth (YoY)-18.58%-16.62%-5.08%-0.39%-0.18%+1,840 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio70.69%71.03%69.30%70.62%73.71%+302 bps
Total Risk-Based Capital181.41%180.54%191.71%202%210%+2,895 bps
Equity / Assets68.56%67.82%68.39%71.59%72.15%+359 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets4.10%5.41%6.77%3.79%5.21%+111 bps
CRE / Total Capitaln/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

Chilton Trust Company, National Association

Palm Beach, FL · Cert 59255 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$22.4MAssets
$0KLoans
$0KDeposits
$16.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets (rank 12 of 629).
  • Widest gap: net interest margin trails 90% of banks under $1B in assets (rank 567 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

22.05%

Rank 12 of 629

Net Interest Margin

2.52%

Rank 567 of 629

Efficiency Ratio

76.03%

Rank 434 of 629

Equity / Assets

72.15%

Rank 37 of 629

Non-interest income vs. expense

$20.0M$15.7MINCOMEEXPENSE
Favorable gap of $4.4M · efficiency ratio beats 31% of banks under $1B in assets
Bank 76.03%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets22.05%0.60%1.01%1.45%Beats 98%12 / 629
Return on Equity30.57%5.38%9.30%13.28%Beats 98%14 / 629
Net Interest Margin2.52%3.03%3.54%4.05%Beats 10%567 / 629
Efficiency Ratio76.03%58.35%67.79%79.08%Beats 31%434 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio210%11.24%13.84%18.77%Beats 97%19 / 629
Total Risk-Based Capital Ratio210%11.58%14.43%19.66%Beats 97%19 / 629
Equity / Assets72.15%9.09%10.65%13.80%Beats 94%37 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution