PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Depository Trust Company, The

Brooklyn, NY · Cert 90544

FDIC

Q2 2026

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

NIM

1.17%Q2 ’241.04%Q2 ’250.99%Q2 ’26-11%-64%

Non-interest income vs. expense

10.72%Q2 ’2411.74%Q2 ’258.51%Q2 ’26-32%+31%

Executive Summary

  • Earnings: ROA of 0.82%, down 99 bps year over year; NIM at 0.38%.
  • Capital: tier 1 leverage ratio of 12.84%, down 605 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

0.82%-99 bps YoY

Net Interest Margin (quarter, annualized)

0.38%-68 bps YoY

Efficiency Ratio (quarter, annualized)

82.51%+386 bps YoY

Tier 1 Leverage Ratio

12.84%-605 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%2.27%2.01%1.72%0.82%-99 bps
Return on Equity9.84%14.09%10.34%10.45%7.76%-208 bps
Net Interest Margin1.05%0.94%1.05%0.84%0.38%-68 bps
Efficiency Ratio78.65%72.95%79.10%78.14%82.51%+386 bps
Non-Interest Burden-1.73%-2.48%-2.10%-1.90%-1.19%+54 bps
Growth
Asset Growth (YoY)-0.72%15.70%17.87%90.04%94.45%+9,517 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 Ratio18.89%16.68%20.56%18.19%12.84%-605 bps
Total Risk-Based Capital73.39%73.35%108.01%57.01%42.05%-3,134 bps
Equity / Assets16.13%16.14%24.34%12.50%9.18%-695 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets96.74%96.91%95.57%97.71%98.16%+142 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a