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Letter portraitLegal landscapeQuarterYTD

Private Trust Company, National Association, The

Cleveland, OH · Cert 34057

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of 19.57%, down 1,484 bps year over year; NIM at 2.18%.
  • Capital: tier 1 leverage ratio of 91.77%, down 256 bps from a year ago.

Return on Assets (quarter, annualized)

19.57%-1,484 bps YoY

Net Interest Margin (quarter, annualized)

2.18%-20 bps YoY

Efficiency Ratio (quarter, annualized)

56.79%+990 bps YoY

Tier 1 Leverage Ratio

91.77%-256 bps YoY

NIM

2.05%Q2 ’242.22%Q2 ’252.05%Q2 ’26+8%-9%

Non-interest income vs. expense

35.99%Q2 ’2439.40%Q2 ’2533.86%Q2 ’26-98%+44%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets18.91%16.10%28.41%34.41%27.63%27.05%29.96%19.57%-1,484 bps
Return on Equity20.11%17.20%30.39%36.79%29.51%29.22%32.66%21.12%-1,567 bps
Net Interest Margin2.34%2.43%2.52%2.38%2.17%1.91%2.04%2.18%-20 bps
Efficiency Ratio55.74%74.53%51.47%46.89%47.43%49.83%47.84%56.79%+990 bps
Non-Interest Burden-22.50%-13.52%-33.02%-42.42%-33.85%-31.45%-36.64%-23.71%+1,870 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