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Towne Trust Company, National Association

Newport News, VA · Cert 35248

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of 10.11%, up 14 bps year over year; NIM at 2.98%.
  • Capital: tier 1 leverage ratio of 87.10%, down 906 bps from a year ago.

Return on Assets (YTD, annualized)

10.11%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+14 bps YoY

Efficiency Ratio (YTD, annualized)

82.76%-390 bps YoY

Tier 1 Leverage Ratio

87.10%-906 bps YoY

NIM

2.44%Q2 ’242.84%Q2 ’252.98%Q2 ’26+17%+5%

Non-interest income vs. expense

70.89%Q2 ’2482.22%Q2 ’2559.72%Q2 ’26-86%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.31%7.16%13.44%9.97%7.35%9.55%13.73%10.11%+14 bps
Return on Equity6.25%8.27%14.35%10.65%7.83%10.20%15.21%11.57%+91 bps
Net Interest Margin2.56%2.66%2.74%2.84%2.94%2.89%2.91%2.98%+14 bps
Efficiency Ratio91.40%88.82%82.61%86.66%89.97%86.63%78.28%82.76%-390 bps
Non-Interest Burden-4.05%-6.41%-14.16%-9.81%-6.73%-8.62%-14.89%-9.46%+36 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