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Greenleaf Trust National Association

Kalamazoo, MI · Cert 34935

FDIC

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=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

93

Q1 2025Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

68

Q1 2025Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

23

Q1 2025Q2 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

Greenleaf Trust National Association

Kalamazoo, MI · Cert 34935

FDIC

Q2 2026

$47.1MAssets
$0KLoans
$0KDeposits
$34.1MEquity

NIM

1.95%Q1 ’252.25%Q2 ’252.45%Q2 ’26+15%+9%

Non-interest income vs. expense

130.44%Q1 ’25124.49%Q2 ’25124.63%Q2 ’26-98%+59%

Executive Summary

  • Earnings: ROA of 24.16%, down 3,180 bps year over year; NIM at 2.45%.
  • Capital: tier 1 leverage ratio of 75.92%, down 2,326 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

24.16%-3,180 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+20 bps YoY

Efficiency Ratio (YTD, annualized)

80.41%+1,651 bps YoY

Tier 1 Leverage Ratio

75.92%-2,326 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets55.96%42.79%48.99%26.26%24.16%-3,180 bps
Return on Equity70.42%55.14%58.76%31.81%30.62%-3,979 bps
Net Interest Margin2.25%2.31%2.41%2.06%2.45%+20 bps
Efficiency Ratio63.90%69.38%72.99%79.16%80.41%+1,651 bps
Non-Interest Burden-67.74%-49.26%-40.35%-32.35%-27.70%+4,004 bps
Growth
Asset Growth (YoY)n/an/an/a-0.02%-10.47%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio99.18%93.26%72.49%86.86%75.92%-2,326 bps
Total Risk-Based Capital99.18%93.26%72.49%86.86%75.92%-2,326 bps
Equity / Assets79.47%77.61%83.37%81.78%72.34%-713 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets28.43%45.57%24.91%29.67%28.21%-22 bps
CRE / Total Capitaln/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

Greenleaf Trust National Association

Kalamazoo, MI · Cert 34935 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$47.1MAssets
$0KLoans
$0KDeposits
$34.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets (rank 11 of 629).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets (rank 574 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

22.58%

Rank 11 of 629

Net Interest Margin

2.45%

Rank 574 of 629

Efficiency Ratio

80.52%

Rank 485 of 629

Equity / Assets

72.34%

Rank 36 of 629

Non-interest income vs. expense

$68.5M$56.0MINCOMEEXPENSE
Favorable gap of $12.4M · efficiency ratio beats 23% of banks under $1B in assets
Bank 80.52%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets22.58%0.60%1.01%1.45%Beats 98%11 / 629
Return on Equity31.21%5.38%9.30%13.28%Beats 98%12 / 629
Net Interest Margin2.45%3.03%3.54%4.05%Beats 9%574 / 629
Efficiency Ratio80.52%58.35%67.79%79.08%Beats 23%485 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio75.92%11.24%13.84%18.77%Beats 93%45 / 629
Total Risk-Based Capital Ratio75.92%11.58%14.43%19.66%Beats 93%45 / 629
Equity / Assets72.34%9.09%10.65%13.80%Beats 94%36 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution