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Depository Trust Company, The

Brooklyn, NY · Cert 90544

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B 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 over $10B in assets (n=144). 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

3

Q2 2024Q2 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

Depository Trust Company, The

Brooklyn, NY · Cert 90544

FDIC

Q2 2026

$11.0BAssets
$0KLoans
$0KDeposits
$1.0BEquity

Executive Summary

  • Earnings: ROA of 1.18%, down 90 bps year over year; NIM at 0.48%.
  • Capital: tier 1 leverage ratio of 12.84%, down 605 bps from a year ago.

Return on Assets (YTD, annualized)

1.18%-90 bps YoY

Net Interest Margin (YTD, annualized)

0.48%-60 bps YoY

Efficiency Ratio (YTD, annualized)

80.36%+238 bps YoY

Tier 1 Leverage Ratio

12.84%-605 bps YoY

NIM

1.15%Q2 ’241.07%Q2 ’250.80%Q2 ’26-6%-56%

Non-interest income vs. expense

10.77%Q2 ’2411.81%Q2 ’258.21%Q2 ’26-59%+31%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.62%2.50%2.08%2.20%2.24%1.72%1.18%-90 bps
Return on Equity9.77%9.81%10.71%10.28%11.57%11.25%10.45%9.10%-118 bps
Net Interest Margin1.33%1.53%1.35%1.09%0.93%1.11%0.84%0.48%-60 bps
Efficiency Ratio79.74%79.82%77.32%77.98%76.20%76.96%78.14%80.36%+238 bps
Non-Interest Burden-1.41%-1.62%-2.29%-1.82%-1.86%-2.20%-1.90%-1.26%+55 bps
Growth
Asset Growth (YoY)22.03%-54.05%11.62%-0.72%15.70%17.87%90.04%94.45%+9,517 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 Ratio19.75%23.19%22.40%18.89%16.68%20.56%18.19%12.84%-605 bps
Total Risk-Based Capital76.28%114.81%96.10%73.39%73.35%108.01%57.01%42.05%-3,134 bps
Equity / Assets16.82%25.83%21.39%16.13%16.14%24.34%12.50%9.18%-695 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets95.01%95.13%96.00%96.74%96.91%95.57%97.71%98.16%+142 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/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

Depository Trust Company, The

Brooklyn, NY · Cert 90544 · Peer group: banks over $10B in assets (n=144)

FDIC

Q2 2026

$11.0BAssets
$0KLoans
$0KDeposits
$1.0BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks over $10B in assets (rank 4 of 144).
  • Widest gap: net interest margin trails 100% of banks over $10B in assets (rank 144 of 144).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.82%

Rank 130 of 144

Net Interest Margin

0.48%

Rank 144 of 144

Efficiency Ratio

82.52%

Rank 141 of 144

Equity / Assets

9.18%

Rank 113 of 144

Non-interest income vs. expense

$704.4M$610.6MINCOMEEXPENSE
Favorable gap of $93.8M · efficiency ratio beats 3% of banks over $10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.82%1.00%1.26%1.54%Beats 10%130 / 144n/a
Return on Equity8.94%8.98%11.34%14.40%Beats 24%109 / 144n/a
Net Interest Margin0.48%2.82%3.31%3.68%Beats 0%144 / 144n/a
Efficiency Ratio82.52%49.42%56.02%62.41%Beats 3%141 / 144n/a
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio42.05%12.07%12.98%14.92%Beats 97%4 / 144n/a
Total Risk-Based Capital Ratio42.05%13.39%14.14%16.25%Beats 97%4 / 144n/a
Equity / Assets9.18%9.69%11.39%12.96%Beats 22%113 / 144n/a
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%59.83%69.07%74.80%0th pctl143 / 144n/a
Brokered Deposits / Depositsn/aNot reported for this institution