PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

TIAA Trust, National Association

Charlotte, NC · Cert 59344

FDIC

Q2 2026

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

NIM

3.91%Q2 ’242.98%Q2 ’252.74%Q2 ’26-24%-8%

Non-interest income vs. expense

93.56%Q2 ’2491.09%Q2 ’2528.59%Q2 ’26-7%+92%

Executive Summary

  • Earnings: ROA of 4.54%, down 3,529 bps year over year; NIM at 2.74%.
  • Capital: tier 1 leverage ratio of 92.86%, up 82 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

4.54%-3,529 bps YoY

Net Interest Margin (quarter, annualized)

2.74%-24 bps YoY

Efficiency Ratio (quarter, annualized)

82.45%+1,459 bps YoY

Tier 1 Leverage Ratio

92.86%+82 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets39.84%40.72%95.42%3.66%4.54%-3,529 bps
Return on Equity46.15%46.52%120.60%4.58%4.93%-4,122 bps
Net Interest Margin2.98%3.01%2.89%2.72%2.74%-24 bps
Efficiency Ratio67.86%64.48%44.81%76.29%82.45%+1,459 bps
Non-Interest Burden-40.16%-42.25%-90.56%-5.60%-3.35%+3,681 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