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Associated Trust Company, National Association

Milwaukee, WI · Cert 27102

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Associated Trust Company, National Association

Milwaukee, WI · Cert 27102

FDIC

Q2 2026

$79.7MAssets
$0KLoans
$0KDeposits
$68.2MEquity

NIM

1.72%Q2 ’241.45%Q2 ’251.13%Q2 ’26-12%-17%

Non-interest income vs. expense

82.63%Q2 ’2483.08%Q2 ’2592.86%Q2 ’26+3%-12%

Executive Summary

  • Earnings: ROA of 31.21%, up 223 bps year over year; NIM at 1.89%.
  • Capital: tier 1 leverage ratio of 84.07%, up 137 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

31.21%+223 bps YoY

Net Interest Margin (YTD, annualized)

1.89%-38 bps YoY

Efficiency Ratio (YTD, annualized)

69.22%+13 bps YoY

Tier 1 Leverage Ratio

84.07%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets28.98%30.94%31.35%26.92%31.21%+223 bps
Return on Equity36.09%38.94%40.33%35.21%39.35%+326 bps
Net Interest Margin2.26%2.23%2.21%1.57%1.89%-38 bps
Efficiency Ratio69.10%67.42%66.86%71.12%69.22%+13 bps
Non-Interest Burden-35.71%-37.70%-38.03%-34.21%-40.15%-444 bps
Growth
Asset Growth (YoY)2.32%2.86%17.01%1.57%-5.22%-753 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 Ratio82.70%81.98%79.00%72.95%84.07%+137 bps
Total Risk-Based Capital136.95%131.18%130.89%176.11%171.77%+3,481 bps
Equity / Assets79.50%77.04%71.72%82.02%85.65%+616 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets1.42%1.34%1.25%1.47%1.50%+8 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Associated Trust Company, National Association

Milwaukee, WI · Cert 27102 · Peer group: banks under $1B in assets in WI (n=113)

FDIC

Q2 2026

$79.7MAssets
$0KLoans
$0KDeposits
$68.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets in WI (rank 1 of 113).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets in WI (rank 111 of 113).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

33.50%

Rank 2 of 113

Net Interest Margin

1.89%

Rank 111 of 113

Efficiency Ratio

69.22%

Rank 79 of 113

Equity / Assets

85.65%

Rank 1 of 113

Non-interest income vs. expense

$106.9M$74.6MINCOMEEXPENSE
Favorable gap of $32.3M · efficiency ratio beats 31% of banks under $1B in assets in WI
Bank 69.22%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets33.50%0.85%1.17%1.51%Beats 98%2 / 113
Return on Equity39.11%7.70%10.77%13.67%Beats 98%2 / 113
Net Interest Margin1.89%3.19%3.59%3.89%Beats 2%111 / 113
Efficiency Ratio69.22%54.61%62.43%71.88%Beats 31%79 / 113
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio171.77%11.22%12.95%15.76%Beats 99%1 / 113
Total Risk-Based Capital Ratio171.77%11.57%13.59%16.73%Beats 99%1 / 113
Equity / Assets85.65%9.17%10.74%13.13%Beats 99%1 / 113
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%63.07%71.33%78.84%0th pctl111 / 113
Brokered Deposits / Depositsn/aNot reported for this institution