PackageTrendsPeer
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 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