BlastPoint's Banking Scorecard

Deutsche Bank Trust Company Americas

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

New York, NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
Deposits -7.5% year over year ($28.1B on the books).
Delinquency rate 0.92%.
Return on assets 0.91%.
Efficiency ratio 63.66% vs a 53.67% peer average.
Loan-to-deposit ratio 55.01% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (NY) →

Deutsche Bank Trust Company Americas has 1 strength but faces 5 concerns

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

+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.1% in tier
- Liquidity Overhang: Bottom 22.7% in tier
- Cost Spiral: Bottom 58.3% in tier
- ROA 0.47% below tier average
- Net Interest Margin 1.41% below tier average

Get updates when Deutsche Bank Trust Company Americas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$40.5B -5.5% YoY +2.0% QoQ	-$3.1B	$43.6B -13.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	72%
Total Loans ?	$15.5B -3.6% YoY -1.2% QoQ	-$12.5B	$28.0B -8.6% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$28.1B -7.5% YoY +1.6% QoQ	-$7.3B	$35.4B -14.0% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	0.91% -59.5% YoY +8.8% QoQ	-0.47%	1.39% +25.9% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	2.51% -13.9% YoY +0.4% QoQ	-1.41%	3.92% +8.9% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 11.5% in tier
Efficiency Ratio ?	63.66% +52.5% YoY +0.6% QoQ	+9.99%	53.67% -1.9% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.92% -36.9% YoY -7.2% QoQ	-0.09%	1.01% -2.8% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	55.01% +4.1% YoY -2.7% QoQ	-27.60%	82.61% +3.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Top 7.9% in tier
Non-Interest-Bearing Deposit Share ?	27.82% -9.7% YoY +1.5% QoQ	+7.24%	20.58% +4.9% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.35% -35.6% YoY -10.1% QoQ	-0.38%	0.73% +5.8% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	57.52% +3.7% YoY +1.5% QoQ	+42.17%	15.35% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 0.7% in tier
Non-Interest Income / Assets ?	0.51% -58.2% YoY +122.0% QoQ	+0.01%	0.50% +10.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	27.8% -3.0pp YoY +0.4pp QoQ	+6.8pp	21.0%	22.1%	22.2%	74%
Brokered Deposits	6.3% +2.9pp YoY +1.4pp QoQ	-3.0pp	9.2%	8.0%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	13.5% -3.5pp YoY -2.4pp QoQ	-3.7pp	17.2%	11.0%	12.5%	41%
CRE	25.6% -1.4pp YoY -1.8pp QoQ	-16.5pp	42.0%	46.2%	41.4%	19%
1-4 Family	14.1% +0.3pp YoY 0.0pp QoQ	-9.0pp	23.1%	36.6%	31.3%	27%
Consumer	n/a	n/a	12.9%	5.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	57.5% +2.1pp YoY +0.9pp QoQ	+42.3pp	15.3%	26.1%	19.7%	99%
Leverage Ratio	25.8% -1.5pp YoY +0.5pp QoQ	+15.4pp	10.4%	13.9%	12.6%	99%
Total Capital Ratio	57.7% +2.0pp YoY +0.8pp QoQ	+41.2pp	16.5%	27.2%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	369 +9 (+2.5%) YoY -7 (-1.9%) QoQ	-2,889	3,258	914	482	8%
Assets per Employee ($)	$109.9M -7.8% YoY +3.9% QoQ	+$82.8M	$27.0M	$14.8M	$8.8M	94%
Branch Count	1 0 YoY 0 QoQ	-137	137	27	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.4%	50%
Nonaccrual	0.9% -0.6pp YoY -0.1pp QoQ	+0.2pp	0.7%	1.3%	1.0%	75%
Allowance Coverage	0.22x +46.1% YoY -0.3% QoQ	-2.59x	2.81x	1.92x	20.23x	1%
Net Charge-off Rate (YTD)	n/a	n/a	0.4%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	3.8% -5.5pp YoY +0.3pp QoQ	-8.8pp	12.6%	7.9%	11.6%	4%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.3pp	2.0%	1.8%	1.7%	32%
Net Income ($, YTD)	$188.0M -59.1% YoY — QoQ	-$108.8M	$296.8M	$111.2M	$40.4M	58%

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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 (3)

Deposit Outflow

decline

#1 of 18 • Bottom 0.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally

→ Stable +31 banks QoQ

Liquidity Overhang

risk

#6 of 22 • Bottom 22.7% 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: 57.52%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 55.01%

(Tier: 82.61%, National: 79.03%)

better than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ

Cost Spiral

risk

#8 of 12 • Bottom 58.3% 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: 63.66%

(Tier: 53.67%, National: 70.05%)

worse than tier avg

12 of 12 Large banks match · 184 nationally

→ Stable +9 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 139 peers in $10B-$250B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 57.52%

Peer Median: 15.35%

#2 of 139 Top 0.7% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 55.01%

Peer Median: 82.61%

#12 of 139 Top 7.9% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 27.82%

Peer Median: 20.58%

#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (3 metrics)

124

Net Interest Margin

profitability

Value: 2.51%

Peer Median: 3.92%

#124 of 139 Bottom 11.5% in $10B-$250B

118

Return on Assets

profitability

Value: 0.91%

Peer Median: 1.39%

#118 of 139 Bottom 15.8% in $10B-$250B

113

Efficiency Ratio

profitability

Value: 63.66%

Peer Median: 53.67%

#113 of 139 Bottom 19.4% in $10B-$250B