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Letter portraitLegal landscapeQuarterYTD

Trust Company of Toledo, National Association, The

Holland, OH · Cert 33239

FDIC

Q2 2026

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

NIM

3.04%Q2 ’242.84%Q2 ’252.96%Q2 ’26-7%+4%

Non-interest income vs. expense

107.58%Q2 ’24110.07%Q2 ’25103.88%Q2 ’26+21%-32%

Executive Summary

  • Earnings: ROA of 74.43%, up 1,790 bps year over year; NIM at 2.96%.
  • Capital: tier 1 leverage ratio of 100.25%, up 323 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

74.43%+1,790 bps YoY

Net Interest Margin (quarter, annualized)

2.96%+12 bps YoY

Efficiency Ratio (quarter, annualized)

52.39%-801 bps YoY

Tier 1 Leverage Ratio

100.25%+323 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets56.53%63.71%3.07%100.81%74.43%+1,790 bps
Return on Equity64.14%70.62%3.55%120.11%84.04%+1,990 bps
Net Interest Margin2.84%3.11%3.70%2.35%2.96%+12 bps
Efficiency Ratio60.41%52.05%98.09%48.78%52.39%-801 bps
Non-Interest Burden-69.30%-77.87%0.28%-126.48%-91.43%-2,212 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