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Western Alliance Trust Company, National Association

Phoenix, AZ · Cert 57288

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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

52

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

Western Alliance Trust Company, National Association

Phoenix, AZ · Cert 57288

FDIC

Q2 2026

$64.0MAssets
$0KLoans
$0KDeposits
$57.0MEquity

NIM

3.73%Q2 ’242.90%Q2 ’252.23%Q2 ’26-22%-23%

Non-interest income vs. expense

26.94%Q2 ’2432.60%Q2 ’2541.30%Q2 ’26-99%-8495%

Executive Summary

  • Earnings: ROA of 15.03%, up 1,309 bps year over year; NIM at 2.23%.
  • Capital: tier 1 leverage ratio of 94.88%, down 190 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

15.03%+1,309 bps YoY

Net Interest Margin (YTD, annualized)

2.23%-67 bps YoY

Efficiency Ratio (YTD, annualized)

67.22%-2,517 bps YoY

Tier 1 Leverage Ratio

94.88%-190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%5.54%6.75%15.70%15.03%+1,309 bps
Return on Equity2.16%6.14%7.48%17.15%16.59%+1,442 bps
Net Interest Margin2.90%2.73%2.49%2.25%2.23%-67 bps
Efficiency Ratio92.39%80.55%78.77%65.53%67.22%-2,517 bps
Non-Interest Burden0.21%-5.05%-6.46%-18.50%-17.91%-1,812 bps
Growth
Asset Growth (YoY)0.99%8.86%-4.50%17.50%23.91%+2,292 bps
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 Ratio96.79%97.90%94.51%94.59%94.88%-190 bps
Total Risk-Based Capital96.79%97.90%94.51%94.59%94.88%-190 bps
Equity / Assets94.83%91.59%90.58%92.49%88.97%-585 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets11.19%13.65%19.66%14.33%12.77%+158 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

Western Alliance Trust Company, National Association

Phoenix, AZ · Cert 57288 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$64.0MAssets
$0KLoans
$0KDeposits
$57.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks under $1B in assets (rank 17 of 629).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets (rank 589 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

14.16%

Rank 17 of 629

Net Interest Margin

2.23%

Rank 589 of 629

Efficiency Ratio

67.22%

Rank 306 of 629

Equity / Assets

88.97%

Rank 18 of 629

Non-interest income vs. expense

$35.5M$24.8MINCOMEEXPENSE
Favorable gap of $10.8M · efficiency ratio beats 52% of banks under $1B in assets
Bank 67.22%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets14.16%0.60%1.01%1.45%Beats 97%17 / 629
Return on Equity15.91%5.38%9.30%13.28%Beats 87%82 / 629
Net Interest Margin2.23%3.03%3.54%4.05%Beats 6%589 / 629
Efficiency Ratio67.22%58.35%67.79%79.08%Beats 52%306 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio94.88%11.24%13.84%18.77%Beats 95%33 / 629
Total Risk-Based Capital Ratio94.88%11.58%14.43%19.66%Beats 95%34 / 629
Equity / Assets88.97%9.09%10.65%13.80%Beats 97%18 / 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