PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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