Trust Company of Toledo, National Association, The

Holland, OH · Cert 33239

FDIC

Q2 2026

$9.0MAssets

$0KLoans

$0KDeposits

$8.0MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	67.43%	52.72%	87.95%	70.87%	67.53%	54.63%	100.81%	85.30%	+1,443 bps
Return on Equity	76.74%	61.14%	106.16%	82.98%	77.43%	63.65%	120.11%	99.26%	+1,628 bps
Net Interest Margin	2.52%	2.86%	2.44%	2.43%	2.37%	2.75%	2.35%	2.38%	-4 bps
Efficiency Ratio	55.16%	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/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	97.12%	51.99%	97.42%	97.03%	100.36%	49.05%	99.59%	100.25%	+323 bps
Total Risk-Based Capital	146.76%	262%	190.57%	156.07%	147.92%	278%	171.11%	149.99%	-608 bps
Equity / Assets	90.15%	78.03%	86.71%	89.37%	90.89%	78.24%	88.40%	88.70%	-66 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	5.54%	9.19%	7.39%	6.30%	5.10%	9.22%	7.25%	5.58%	-72 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a