PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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