PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

TIAA Trust, National Association

Charlotte, NC · Cert 59344

FDIC

Q2 2026

$241.1MAssets
$0KLoans
$0KDeposits
$222.5MEquity

NIM

3.73%Q2 ’242.83%Q2 ’252.72%Q2 ’26-24%-4%

Non-interest income vs. expense

93.43%Q2 ’2489.82%Q2 ’2527.55%Q2 ’26-10%+89%

Executive Summary

  • Earnings: ROA of 3.98%, down 3,670 bps year over year; NIM at 2.72%.
  • Capital: tier 1 leverage ratio of 92.86%, up 82 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

3.98%-3,670 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-12 bps YoY

Efficiency Ratio (YTD, annualized)

79.37%+1,151 bps YoY

Tier 1 Leverage Ratio

92.86%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets40.68%40.60%56.24%3.66%3.98%-3,670 bps
Return on Equity47.90%47.32%68.32%4.58%4.76%-4,314 bps
Net Interest Margin2.83%2.71%2.73%2.72%2.72%-12 bps
Efficiency Ratio67.86%66.68%59.19%76.29%79.37%+1,151 bps
Non-Interest Burden-39.71%-37.94%-47.82%-5.60%-4.44%+3,526 bps
Growth
Asset Growth (YoY)10.05%11.09%34.15%-4.28%-12.30%-2,235 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 Ratio92.04%93.18%62.65%92.77%92.86%+82 bps
Total Risk-Based Capital283%294%222%407%413%+13,070 bps
Equity / Assets87.04%87.96%70.39%92.12%92.30%+526 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets84.46%85.80%72.82%94.46%94.87%+1,041 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a