PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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