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Deutsche Bank Trust Company Americas

New York, NY · Cert 623 · Deutsche Bk Aktiengesellschaft

State charter, Fed member · FED · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$40.5BAssets
$15.5BLoans
$28.1BDeposits
$9.9BEquity
Loan mix
71%RE $6.5B27%C&I $2.5B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $20.3B28%Noninterest $7.8BQ2 2025Q2 2026

NIM

5.78%Q2 ’244.98%Q2 ’254.20%Q2 ’26-18%-17%

Non-interest income vs. expense

2.26%Q2 ’242.58%Q2 ’252.40%Q2 ’26-119%+566%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 1.0% share · #14 of 151 inst. · $28.1B of $2921.1B

Executive Summary

  • Earnings: ROA of 1.01%, down 116 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.92% of loans (-54 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.79%, down 148 bps from a year ago.
  • Funding: loans stand at 55.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.01%-116 bps YoY

Net Interest Margin (quarter, annualized)

2.55%-54 bps YoY

Efficiency Ratio (quarter, annualized)

63.99%+2,061 bps YoY

Tier 1 Leverage Ratio

25.79%-148 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%1.57%1.35%0.84%1.01%-116 bps
Return on Equity8.94%6.58%5.79%3.54%4.08%-486 bps
Net Interest Margin3.09%2.95%2.83%2.54%2.55%-54 bps
Efficiency Ratio43.38%51.16%50.38%63.31%63.99%+2,061 bps
Non-Interest Burden-0.26%0.75%0.85%1.26%1.20%+146 bps
Growth
Asset Growth (YoY)5.64%1.08%8.17%0.21%-5.47%-1,111 bps
Loan Growth (YoY)-3.08%-1.51%-1.14%3.15%-3.65%-57 bps
Deposit Growth (YoY)8.64%2.58%12.53%0.03%-7.46%-1,610 bps
Asset Quality
Nonperforming Loans / Loans1.46%1.45%1.09%0.99%0.92%-54 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.22%0.18%0.21%0.22%0.21%-2 bps
Allowance Coverage of NPLs0.2x0.1x0.2x0.2x0.2x+0.1x
Capital
Tier 1 Leverage Ratio27.27%25.19%25.18%25.32%25.79%-148 bps
Total Risk-Based Capital55.67%55.16%56.81%56.88%57.71%+204 bps
Equity / Assets23.65%23.99%22.79%24.81%24.53%+88 bps
Liquidity & Funding
Loans / Deposits52.94%54.59%48.55%56.68%55.12%+218 bps
Liquid Assets / Assets41.41%39.50%43.50%37.96%39.62%-180 bps
CRE / Total Capitaln/a41.89%41.59%43.42%n/an/a