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Letter portraitLegal landscapeQuarterYTD

Towne Trust Company, National Association

Newport News, VA · Cert 35248

FDIC

Q2 2026

$8.8MAssets
$0KLoans
$0KDeposits
$7.2MEquity

Executive Summary

  • Earnings: ROA of 6.80%, up 23 bps year over year; NIM at 3.32%.
  • Capital: tier 1 leverage ratio of 87.10%, down 906 bps from a year ago.

Return on Assets (quarter, annualized)

6.80%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+39 bps YoY

Efficiency Ratio (quarter, annualized)

87.53%-343 bps YoY

Tier 1 Leverage Ratio

87.10%-906 bps YoY

NIM

2.63%Q2 ’242.93%Q2 ’253.32%Q2 ’26+12%+13%

Non-interest income vs. expense

65.53%Q2 ’2483.71%Q2 ’2561.16%Q2 ’26+47%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.66%12.60%13.44%6.58%2.13%16.04%13.73%6.80%+23 bps
Return on Equity4.35%14.33%14.35%7.03%2.27%17.15%15.21%7.98%+95 bps
Net Interest Margin2.89%2.80%2.74%2.93%2.96%3.60%2.91%3.32%+39 bps
Efficiency Ratio93.86%81.93%82.61%90.96%96.90%76.16%78.28%87.53%-343 bps
Non-Interest Burden-1.79%-13.19%-14.16%-5.39%0.06%-16.26%-14.89%-5.39%0 bps
Growth
Asset Growth (YoY)8.38%-6.41%-6.23%-7.14%-8.72%9.20%18.42%26.20%+3,334 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 Ratio83.82%87.15%93.98%96.16%98.94%93.22%93.99%87.10%-906 bps
Total Risk-Based Capital321%371%366%378%448%407%156.84%360%-1,842 bps
Equity / Assets82.59%93.84%93.57%93.42%94.60%92.49%88.14%82.50%-1,092 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a