Bank Safety Analysis
Is Neuberger Berman Trust Company N.A. Safe?
Neuberger Berman Trust Company N.A. shows stress on 1 of 4 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 7.09 percentage points lower than in Q1 2026, at 147.57%. Neuberger Berman Trust Company N.A.'s CET1 ratio of 147.57% is well above the 19.50% median for banks in the < $100M asset tier, a gap of 128.06 points (Q2 2026). From Q3 2023 to Q2 2026, Neuberger Berman Trust Company N.A.'s CET1 ratio ranged between 145.68% (Q1 2024) and 163.12% (Q2 2025) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Neuberger Berman Trust Company N.A.'s CET1 ratio from 163.12% to 147.57%, Texas ratio from 0.00% to 0.00%, return on assets from 6.75% to 5.80% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (506 banks) · Industry averages as of Q2 2026.
CET1 of 147.57% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 74.03% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 96.5% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 147.57% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 147.57% |
| Q1 2026 | 154.66% |
| Q4 2025 | 145.73% |
| Q3 2025 | 152.62% |
| Q2 2025 | 163.12% |
| Q1 2025 | 154.33% |
| Q4 2024 | 147.58% |
| Q3 2024 | 148.32% |
| Q2 2024 | 146.71% |
| Q1 2024 | 145.68% |
| Q4 2023 | 152.71% |
| Q3 2023 | 153.15% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Neuberger Berman Trust Company N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 147.57% | — | 0.00% | 5.80% |
| Mar 31, 2026 | 154.66% | — | 0.00% | 5.69% |
| Dec 31, 2025 | 145.73% | — | 0.00% | 2.29% |
| Sep 30, 2025 | 152.62% | — | 0.00% | 5.61% |
| Jun 30, 2025 | 163.12% | — | 0.00% | 6.75% |
| Mar 31, 2025 | 154.33% | — | 0.00% | 6.04% |
| Dec 31, 2024 | 147.58% | — | 0.00% | 3.07% |
| Sep 30, 2024 | 148.32% | — | 0.00% | 7.12% |
| Jun 30, 2024 | 146.71% | — | 0.00% | 7.22% |
| Mar 31, 2024 | 145.68% | — | 0.00% | 7.51% |
| Dec 31, 2023 | 152.71% | — | 0.00% | 8.07% |
| Sep 30, 2023 | 153.15% | — | 0.00% | 7.57% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Neuberger Berman Trust Company N.A. well capitalized?
Yes. Neuberger Berman Trust Company N.A. reports a CET1 Ratio of 147.57%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is Neuberger Berman Trust Company N.A.'s Texas Ratio?
Neuberger Berman Trust Company N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 4149037)
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