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Nationwide Trust Company, FSB

Columbus, OH · Cert 34710

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=594 to 629). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

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 2026-10-11

Nationwide Trust Company, FSB

Columbus, OH · Cert 34710

State savings bank · OCC · 1 branch

Q2 2026

$153.6MAssets
$0KLoans
$500KDeposits
$61.7MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $500KQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #53 of 53 inst. · $0.0B of $124.6B

Executive Summary

  • Earnings: ROA of 18.15%, down 159 bps year over year; NIM at 0.38%.
  • Capital: tier 1 leverage ratio of 36.89%, up 108 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

18.15%-159 bps YoY

Net Interest Margin (YTD, annualized)

0.38%+74 bps YoY

Efficiency Ratio (YTD, annualized)

83.86%+183 bps YoY

Tier 1 Leverage Ratio

36.89%+108 bps YoY

NIM

2.73%Q2 ’242.37%Q2 ’252.52%Q2 ’26+55%+203%

Non-interest income vs. expense

133.19%Q2 ’24110.56%Q2 ’25113.61%Q2 ’26-43%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets14.94%15.43%21.35%19.74%19.81%19.70%20.53%18.15%-159 bps
Return on Equity45.60%46.41%58.70%53.93%54.25%53.43%53.26%46.47%-745 bps
Net Interest Margin-0.84%-0.80%-0.30%-0.37%-0.37%-0.18%0.40%0.38%+74 bps
Efficiency Ratio87.91%87.45%80.92%82.02%81.92%82.17%81.40%83.86%+183 bps
Non-Interest Burden-19.15%-19.49%-25.80%-24.58%-25.14%-24.80%-25.28%-21.51%+307 bps
Growth
Asset Growth (YoY)6.72%8.49%6.05%10.72%12.30%-2.71%-0.81%-8.47%-1,919 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
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 Ratio32.31%37.32%35.57%35.81%37.94%37.72%38.80%36.89%+108 bps
Total Risk-Based Capital98.52%107.52%121.29%122.36%123.81%129.64%135.38%141.82%+1,946 bps
Equity / Assets34.94%35.01%37.77%37.10%36.20%38.41%38.67%40.17%+307 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.06%0.60%0.60%0.65%+65 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 2026-10-11

Nationwide Trust Company, FSB

Columbus, OH · Cert 34710 · Peer group: banks under $1B in assets (n=594-629)

State savings bank · OCC · 1 branch

Q2 2026

$153.6MAssets
$0KLoans
$500KDeposits
$61.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets (rank 7 of 629).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets (rank 623 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

19.17%

Rank 15 of 629

Net Interest Margin

0.38%

Rank 623 of 629

Efficiency Ratio

83.86%

Rank 510 of 629

Equity / Assets

40.17%

Rank 51 of 629

Non-interest income vs. expense

$230.4M$193.7MINCOMEEXPENSE
Favorable gap of $36.7M · efficiency ratio beats 19% of banks under $1B in assets
Bank 83.86%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets19.17%0.60%1.01%1.45%Beats 98%15 / 629
Return on Equity47.73%5.38%9.30%13.28%Beats 99%7 / 629
Net Interest Margin0.38%3.03%3.54%4.05%Beats 1%623 / 629
Efficiency Ratio83.86%58.35%67.79%79.08%Beats 19%510 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio141.82%11.24%13.84%18.77%Beats 96%27 / 629
Total Risk-Based Capital Ratio141.82%11.58%14.43%19.66%Beats 96%27 / 629
Equity / Assets40.17%9.09%10.65%13.80%Beats 92%51 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution