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Trust Company of Toledo, National Association, The

Holland, OH · Cert 33239

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 OH3

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 OH (n=71). 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

87

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

Trust Company of Toledo, National Association, The

Holland, OH · Cert 33239

FDIC

Q2 2026

$9.0MAssets
$0KLoans
$0KDeposits
$8.0MEquity

Executive Summary

  • Earnings: ROA of 85.30%, up 1,443 bps year over year; NIM at 2.38%.
  • Capital: tier 1 leverage ratio of 100.25%, up 323 bps from a year ago.

Return on Assets (YTD, annualized)

85.30%+1,443 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-4 bps YoY

Efficiency Ratio (YTD, annualized)

50.61%-544 bps YoY

Tier 1 Leverage Ratio

100.25%+323 bps YoY

NIM

2.57%Q2 ’242.43%Q2 ’252.38%Q2 ’26-5%-2%

Non-interest income vs. expense

104.87%Q2 ’24105.32%Q2 ’2599.16%Q2 ’26+3%-18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets67.43%52.72%87.95%70.87%67.53%54.63%100.81%85.30%+1,443 bps
Return on Equity76.74%61.14%106.16%82.98%77.43%63.65%120.11%99.26%+1,628 bps
Net Interest Margin2.52%2.86%2.44%2.43%2.37%2.75%2.35%2.38%-4 bps
Efficiency Ratio55.16%66.87%51.94%56.05%54.64%66.23%48.78%50.61%-544 bps
Non-Interest Burden-67.16%-50.05%-110.17%-80.16%-70.09%-53.89%-126.48%-94.39%-1,423 bps
Growth
Asset Growth (YoY)15.02%7.62%15.43%6.59%8.62%-0.28%1.83%12.98%+638 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio97.12%51.99%97.42%97.03%100.36%49.05%99.59%100.25%+323 bps
Total Risk-Based Capital146.76%262%190.57%156.07%147.92%278%171.11%149.99%-608 bps
Equity / Assets90.15%78.03%86.71%89.37%90.89%78.24%88.40%88.70%-66 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets5.54%9.19%7.39%6.30%5.10%9.22%7.25%5.58%-72 bps
CRE / Total Capitaln/an/an/an/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

Trust Company of Toledo, National Association, The

Holland, OH · Cert 33239 · Peer group: banks under $1B in assets in OH (n=71)

FDIC

Q2 2026

$9.0MAssets
$0KLoans
$0KDeposits
$8.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in OH (rank 1 of 71).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in OH (rank 66 of 71).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

67.49%

Rank 1 of 71

Net Interest Margin

2.38%

Rank 66 of 71

Efficiency Ratio

50.61%

Rank 10 of 71

Equity / Assets

88.70%

Rank 2 of 71

Non-interest income vs. expense

$15.4M$7.9MINCOMEEXPENSE
Favorable gap of $7.5M · efficiency ratio beats 87% of banks under $1B in assets in OH
Bank 50.61%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets67.49%0.62%1.02%1.39%Beats 99%1 / 71
Return on Equity76.08%5.62%10.07%13.60%Beats 99%1 / 71
Net Interest Margin2.38%2.93%3.56%4.07%Beats 7%66 / 71
Efficiency Ratio50.61%55.94%70.77%78.80%Beats 87%10 / 71
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio149.99%11.18%13.77%20.34%Beats 97%2 / 71
Total Risk-Based Capital Ratio149.99%12.08%14.34%21.24%Beats 97%2 / 71
Equity / Assets88.70%8.41%10.74%13.32%Beats 97%2 / 71
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%55.33%65.58%72.51%0th pctl69 / 71
Brokered Deposits / Depositsn/aNot reported for this institution