PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trust Company of Toledo, National Association, The

Holland, OH · Cert 33239

FDIC

Q2 2026

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

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets70.87%67.53%54.63%100.81%85.30%+1,443 bps
Return on Equity82.98%77.43%63.65%120.11%99.26%+1,628 bps
Net Interest Margin2.43%2.37%2.75%2.35%2.38%-4 bps
Efficiency Ratio56.05%54.64%66.23%48.78%50.61%-544 bps
Non-Interest Burden-80.16%-70.09%-53.89%-126.48%-94.39%-1,423 bps
Growth
Asset Growth (YoY)6.59%8.62%-0.28%1.83%12.98%+638 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 Ratio97.03%100.36%49.05%99.59%100.25%+323 bps
Total Risk-Based Capital156.07%147.92%278%171.11%149.99%-608 bps
Equity / Assets89.37%90.89%78.24%88.40%88.70%-66 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets6.30%5.10%9.22%7.25%5.58%-72 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a