PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chilton Trust Company, National Association

Palm Beach, FL · Cert 59255

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of 23.45%, up 193 bps year over year; NIM at 2.48%.
  • Capital: tier 1 leverage ratio of 73.71%, up 302 bps from a year ago.

Return on Assets (quarter, annualized)

23.45%+193 bps YoY

Net Interest Margin (quarter, annualized)

2.48%-33 bps YoY

Efficiency Ratio (quarter, annualized)

74.17%-187 bps YoY

Tier 1 Leverage Ratio

73.71%+302 bps YoY

NIM

3.59%Q2 ’242.81%Q2 ’252.48%Q2 ’26-22%-12%

Non-interest income vs. expense

49.80%Q2 ’2470.13%Q2 ’2568.41%Q2 ’26-5%-11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets19.61%20.31%13.56%21.52%21.84%18.62%20.64%23.45%+193 bps
Return on Equity26.84%28.83%19.92%31.45%32.04%27.34%29.50%32.63%+118 bps
Net Interest Margin3.52%3.38%2.89%2.81%2.84%2.69%2.50%2.48%-33 bps
Efficiency Ratio73.17%73.95%83.83%76.05%76.55%78.82%77.83%74.17%-187 bps
Non-Interest Burden-16.54%-16.19%-10.79%-19.28%-19.74%-16.23%-18.23%-21.34%-206 bps
Growth
Asset Growth (YoY)-0.30%-10.57%-20.58%-18.58%-16.62%-5.08%-0.39%-0.18%+1,840 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 Ratio74.45%60.92%65.98%70.69%71.03%69.30%70.62%73.71%+302 bps
Total Risk-Based Capital225%182.11%168.82%181.41%180.54%191.71%202%210%+2,895 bps
Equity / Assets72.77%67.85%68.30%68.56%67.82%68.39%71.59%72.15%+359 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets2.48%10.64%0.70%4.10%5.41%6.77%3.79%5.21%+111 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a