Adp Trust Company N.A.
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Data as of · sourced from FFIEC call reports. How we update
Adp Trust Company N.A. is an FDIC-insured bank headquartered in Wilmington, DE. At Q2 2026 it reported total assets of $48.8M, up 2.2% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Wilmington, DE
- Established
- Not reported
- Total assets, Q2 2026
- $48.8M
- Assets vs Q2 2025
- +2.2%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 031101363
- Latest call report
- Q2 2026, FFIEC 051 · Adp Trust Company N.A. call report
Adp Trust Company N.A. carries far more capital than most banks of its size. Based in Wilmington, Delaware, it had $49 million in assets at June 30, 2026, up 2.2% from a year earlier. It holds common equity equal to 643.42% of its risk-weighted assets, 29.1 times the median of 22.08% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Its margin is thin by comparison: it keeps 3.25 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Adp Trust Company N.A. reported a CET1 capital ratio of 643.42%, a return on assets of 61.07% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 16.3% to $48.8M. Judged on its Q2 2026 call report, Adp Trust Company N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 9
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $45.8M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 5397639
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Adp Trust Company N.A.'s total assets moved between a low of $30.0M (Q4 2023) and a high of $53.0M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$48.8M total assets against $47.8M; $5.6M total liabilities against $6.2M.
$0 net loans and leases against $0; $0 total deposits against $0.
$35.2M securities against $33.1M; $8.0M cash and balances due against $9.0M.
$300K total interest income against $349K; $0 total interest expense against $0.
$300K net interest income against $349K.
$10.9M total noninterest income against $10.2M; $1.9M total noninterest expense against $1.7M.
No provision recorded in the last 12 quarters.
$7.0M net income against $6.6M.
61.07% return on assets against 59.53%; 3.25% net interest margin against 3.90%.
643.42% CET1 capital ratio against 596.59%; 94.43% tier 1 leverage ratio against 93.98%.
Inside the full Adp Trust Company N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 47.76% (Q3 2025) to 92.56% (Q1 2026) and its net interest margin ran from 3.25% (Q2 2026) to 4.59% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 643.42% | 61.07% | — | 0.00% | 3.25% |
| Q1 2026 | 442.61% | 92.56% | — | 0.00% | 3.34% |
| Q4 2025 | 366.43% | 52.16% | — | 0.00% | 3.66% |
| Q3 2025 | 705.05% | 47.76% | — | 0.00% | 3.91% |
| Q2 2025 | 596.59% | 59.53% | — | 0.00% | 3.90% |
| Q1 2025 | 448.53% | 90.35% | — | 0.00% | 3.79% |
| Q4 2024 | 404.30% | 51.31% | — | 0.00% | 4.31% |
| Q3 2024 | 937.91% | 49.41% | — | 0.00% | 4.59% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Consumer complaints
- 229 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Adp Trust Company N.A.
What are Adp Trust Company N.A.'s total assets?
As of the Q2 2026 filing, Adp Trust Company N.A. reported total assets of $48.8 million in its FFIEC call report.
Where is Adp Trust Company N.A. headquartered?
It is headquartered in Wilmington, DE, United States.
What is Adp Trust Company N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 643.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Adp Trust Company N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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