BlastPoint's Banking Scorecard

Deutsche Bank Trust Company Americas

$10B-$250B Specialty: Other NY FDIC cert 623

New York, NY

135 banks in the $10B-$250B peer group nationally 11 in NY

Deutsche Bank Trust Company Americas faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.1% in tier
- Flatlined Growth: Bottom 4.2% in tier
- Liquidity Overhang: Bottom 20.8% in tier
- Cost Spiral: Bottom 46.1% in tier
- Net Interest Margin 1.27% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$39.7B +0.2% YoY -7.6% QoQ	-$7.6B	$47.4B -2.0% YoY	$19.3B +16.2% YoY	$6.2B +9.0% YoY	70%
Total Loans ?	$15.7B +3.1% YoY +4.8% QoQ	-$13.9B	$29.6B -0.4% YoY	$8.1B +13.6% YoY	$3.2B +10.7% YoY	47%
Total Deposits ?	$27.7B +0.0% YoY -10.2% QoQ	-$11.0B	$38.7B -1.6% YoY	$15.1B +14.9% YoY	$4.8B +8.0% YoY	66%
Return on Assets ?	0.84% -64.6% YoY -54.7% QoQ	-0.44%	1.28% +19.3% YoY	0.86% +11.9% YoY	1.24% +13.1% YoY	19%
Net Interest Margin ?	2.50% -15.5% YoY -12.9% QoQ	-1.27%	3.77% +5.6% YoY	3.45% +6.7% YoY	3.89% +5.7% YoY	Bottom 13.3% in tier
Efficiency Ratio ?	63.31% +58.0% YoY +38.7% QoQ	+9.41%	53.90% -4.0% YoY	69.17% -2.9% YoY	66.84% -3.8% YoY	24%
Delinquency Rate ?	1.00% -43.5% YoY -9.3% QoQ	-0.03%	1.02% -4.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	56.55% +3.0% YoY +16.7% QoQ	-24.33%	80.88% +2.0% YoY	77.98% +0.6% YoY	76.69% +0.9% YoY	Top 8.1% in tier
Non-Interest-Bearing Deposit Share ?	27.40% -3.7% YoY -12.8% QoQ	+7.58%	19.82% +0.3% YoY	21.94% +0.9% YoY	22.01% -1.1% YoY	74%
Nonperforming Asset Ratio ?	0.39% -41.9% YoY +3.0% QoQ	-0.33%	0.73% +4.0% YoY	0.73% +4.7% YoY	0.66% +19.3% YoY	64%
Tier 1 Capital Ratio ?	56.66% -1.5% YoY +0.1% QoQ	+41.10%	15.56% -0.1% YoY	24.83% +10.3% YoY	17.06% +0.8% YoY	Top 0.7% in tier
Non-Interest Income / Assets ?	0.23% -64.7% YoY -87.4% QoQ	+0.00%	0.23% +0.9% YoY	0.21% +8.5% YoY	0.32% +4.0% YoY	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Margin Compression

decline

#1 of 14 • Bottom 0.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.84%

(Tier: 1.28%, National: 1.24%)

worse than tier avg

14 of 14 Large banks match · 406 nationally

↑ Growing +93 banks QoQ

Flatlined Growth

risk

#2 of 24 • Bottom 4.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.84%

(Tier: 1.28%, National: 1.24%)

worse than tier avg

24 of 24 Large banks match · 687 nationally

→ Stable +33 banks QoQ

Liquidity Overhang

risk

#6 of 24 • Bottom 20.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 56.66%

(Tier: 15.56%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 56.55%

(Tier: 80.88%, National: 76.69%)

better than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +14 banks QoQ

Cost Spiral

risk

#7 of 13 • Bottom 46.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 63.31%

(Tier: 53.90%, National: 66.84%)

worse than tier avg

13 of 13 Large banks match · 175 nationally

↑ Growing +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 56.66%

Peer Median: 15.56%

#2 of 135 Top 0.7% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 56.55%

Peer Median: 80.88%

#12 of 135 Top 8.1% in $10B-$250B

Top Weaknesses (3 metrics)

118

Net Interest Margin

profitability

Value: 2.50%

Peer Median: 3.77%

#118 of 135 Bottom 13.3% in $10B-$250B

111

Return on Assets

profitability

Value: 0.84%

Peer Median: 1.28%

#111 of 135 Bottom 18.5% in $10B-$250B

103

Efficiency Ratio

profitability

Value: 63.31%

Peer Median: 53.90%

#103 of 135 Bottom 24.4% in $10B-$250B