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Associated Trust Company, National Association

Milwaukee, WI · Cert 27102

FDIC

Q2 2026

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

NIM

1.74%Q2 ’241.45%Q2 ’251.19%Q2 ’26-13%-12%

Non-interest income vs. expense

80.72%Q2 ’2481.54%Q2 ’2591.98%Q2 ’26+11%-19%

Executive Summary

  • Earnings: ROA of 36.70%, up 721 bps year over year; NIM at 1.98%.
  • Capital: tier 1 leverage ratio of 84.07%, up 137 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

36.70%+721 bps YoY

Net Interest Margin (quarter, annualized)

1.98%-28 bps YoY

Efficiency Ratio (quarter, annualized)

67.39%-93 bps YoY

Tier 1 Leverage Ratio

84.07%+137 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets29.49%34.87%32.80%26.92%36.70%+721 bps
Return on Equity36.68%44.57%44.15%35.21%43.78%+710 bps
Net Interest Margin2.26%2.28%2.20%1.57%1.98%-28 bps
Efficiency Ratio68.32%64.38%65.29%71.12%67.39%-93 bps
Non-Interest Burden-36.35%-44.00%-42.21%-34.21%-43.31%-696 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