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Private Trust Company, National Association, The

Cleveland, OH · Cert 34057

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=72). 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

83

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 2026-10-10

Private Trust Company, National Association, The

Cleveland, OH · Cert 34057

FDIC

Q2 2026

$34.4MAssets
$0KLoans
$0KDeposits
$32.0MEquity

Executive Summary

  • Earnings: ROA of 24.64%, down 678 bps year over year; NIM at 2.07%.
  • Capital: tier 1 leverage ratio of 91.77%, down 256 bps from a year ago.

Return on Assets (YTD, annualized)

24.64%-678 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-29 bps YoY

Efficiency Ratio (YTD, annualized)

51.92%+299 bps YoY

Tier 1 Leverage Ratio

91.77%-256 bps YoY

NIM

1.93%Q2 ’242.20%Q2 ’251.95%Q2 ’26+14%-12%

Non-interest income vs. expense

35.18%Q2 ’2437.18%Q2 ’2533.91%Q2 ’26-41%+20%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets21.49%20.43%28.41%31.43%30.10%29.61%29.96%24.64%-678 bps
Return on Equity22.77%21.70%30.39%33.67%32.18%31.83%32.66%26.74%-693 bps
Net Interest Margin2.08%2.18%2.52%2.36%2.15%2.02%2.04%2.07%-29 bps
Efficiency Ratio55.73%60.61%51.47%48.93%48.44%48.79%47.84%51.92%+299 bps
Non-Interest Burden-23.97%-21.48%-33.02%-36.60%-33.51%-31.98%-36.64%-29.45%+715 bps
Growth
Asset Growth (YoY)9.11%5.03%3.94%8.95%10.77%19.39%19.63%13.23%+428 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 Ratio91.91%78.68%91.77%94.32%92.71%80.08%90.21%91.77%-256 bps
Total Risk-Based Capital899%913%767%601%515%464%417%243%-35,788 bps
Equity / Assets94.19%92.91%94.03%93.09%94.12%90.98%92.40%92.94%-14 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets55.95%59.47%55.80%50.38%47.04%50.49%47.20%44.99%-540 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 2026-10-10

Private Trust Company, National Association, The

Cleveland, OH · Cert 34057 · Peer group: banks under $1B in assets in OH (n=72)

FDIC

Q2 2026

$34.4MAssets
$0KLoans
$0KDeposits
$32.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets in OH (rank 1 of 72).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in OH (rank 70 of 72).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

23.31%

Rank 2 of 72

Net Interest Margin

2.07%

Rank 70 of 72

Efficiency Ratio

51.92%

Rank 13 of 72

Equity / Assets

92.94%

Rank 1 of 72

Non-interest income vs. expense

$22.0M$11.8MINCOMEEXPENSE
Favorable gap of $10.2M · efficiency ratio beats 83% of banks under $1B in assets in OH
Bank 51.92%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets23.31%0.68%1.03%1.39%Beats 97%2 / 72
Return on Equity25.08%5.90%10.07%13.60%Beats 97%2 / 72
Net Interest Margin2.07%3.01%3.56%4.07%Beats 3%70 / 72
Efficiency Ratio51.92%56.91%70.77%78.80%Beats 83%13 / 72
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio243%11.44%14.23%20.34%Beats 99%1 / 72
Total Risk-Based Capital Ratio243%12.24%14.44%21.24%Beats 99%1 / 72
Equity / Assets92.94%8.75%10.85%13.51%Beats 99%1 / 72
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%56.60%65.67%73.89%0th pctl70 / 72
Brokered Deposits / Depositsn/aNot reported for this institution