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Alvarez & Marsal Trust Company, National Association

Wilmington, DE · Cert 59395

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

Q1 2026Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

2

Q1 2026Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

1

Q1 2026Q2 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

Alvarez & Marsal Trust Company, National Association

Wilmington, DE · Cert 59395

Q2 2026

$10.0MAssets
$0KLoans
$0KDeposits
$9.6MEquity

Executive Summary

  • Earnings: ROA of -10.79%; NIM at 0.81%.
  • Capital: tier 1 leverage ratio of 95.51%.

Return on Assets (YTD, annualized)

-10.79%

Net Interest Margin (YTD, annualized)

0.81%

Efficiency Ratio (YTD, annualized)

795%

Tier 1 Leverage Ratio

95.51%

NIM

0.92%Q1 ’260.81%Q2 ’26-13%

Non-interest income vs. expense

14.64%Q1 ’2612.68%Q2 ’26-19%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-13.78%-10.79%n/a
Return on Equity-14.05%-11.22%n/a
Net Interest Margin0.92%0.81%n/a
Efficiency Ratio1583%795%n/a
Non-Interest Burden14.64%11.89%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loansn/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/a
Capital
Tier 1 Leverage Ratio97.11%95.51%n/a
Total Risk-Based Capital97.11%95.51%n/a
Equity / Assets98.03%96.11%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/a
Liquid Assets / Assets3.17%0.95%n/a
CRE / Total Capital0.00%n/an/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

Alvarez & Marsal Trust Company, National Association

Wilmington, DE · Cert 59395 · Peer group: banks under $1B in assets (n=629)

Q2 2026

$10.0MAssets
$0KLoans
$0KDeposits
$9.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 99% of banks under $1B in assets (rank 7 of 629).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets (rank 626 of 629).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-10.79%

Rank 625 of 629

Net Interest Margin

0.81%

Rank 620 of 629

Efficiency Ratio

795%

Rank 626 of 629

Equity / Assets

96.11%

Rank 7 of 629

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 1% of banks under $1B in assets
Bank 795%Peer median 67.8%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-10.79%0.60%1.01%1.45%Beats 1%625 / 629
Return on Equity-11.22%5.38%9.30%13.28%Beats 3%610 / 629
Net Interest Margin0.81%3.03%3.54%4.05%Beats 1%620 / 629
Efficiency Ratio795%58.35%67.79%79.08%Beats 1%626 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio95.51%11.24%13.84%18.77%Beats 95%32 / 629
Total Risk-Based Capital Ratio95.51%11.58%14.43%19.66%Beats 95%32 / 629
Equity / Assets96.11%9.09%10.65%13.80%Beats 99%7 / 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