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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=620). 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

64

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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-7.79%-7.37%-0.12%1.94%5.54%6.75%15.70%15.03%+1,309 bps
Return on Equity-8.38%-8.18%-0.13%2.16%6.14%7.48%17.15%16.59%+1,442 bps
Net Interest Margin3.74%3.59%2.87%2.90%2.73%2.49%2.25%2.23%-67 bps
Efficiency Ratio165.77%153.88%100.30%92.39%80.55%78.77%65.53%67.22%-2,517 bps
Non-Interest Burden14.79%13.04%2.96%0.21%-5.05%-6.46%-18.50%-17.91%-1,812 bps
Growth
Asset Growth (YoY)15.75%-5.14%-3.13%0.99%8.86%-4.50%17.50%23.91%+2,292 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 Ratio95.98%94.03%95.91%96.79%97.90%94.51%94.59%94.88%-190 bps
Total Risk-Based Capital95.98%94.03%95.91%96.79%97.90%94.51%94.59%94.88%-190 bps
Equity / Assets96.68%79.98%96.31%94.83%91.59%90.58%92.49%88.97%-585 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets16.37%12.00%12.72%11.19%13.65%19.66%14.33%12.77%+158 bps
CRE / Total Capitaln/an/an/an/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=620)

FDIC

Q2 2026

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

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets (rank 15 of 620).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets (rank 580 of 620).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

14.16%

Rank 15 of 620

Net Interest Margin

2.23%

Rank 580 of 620

Efficiency Ratio

67.22%

Rank 298 of 620

Equity / Assets

88.97%

Rank 18 of 620

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 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets14.16%0.60%1.00%1.45%Beats 98%15 / 620
Return on Equity15.91%5.30%9.30%13.29%Beats 87%80 / 620
Net Interest Margin2.23%3.02%3.53%4.04%Beats 6%580 / 620
Efficiency Ratio67.22%58.35%68.08%79.37%Beats 52%298 / 620
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%11.27%13.87%18.78%Beats 95%32 / 620
Total Risk-Based Capital Ratio94.88%11.69%14.57%19.67%Beats 95%32 / 620
Equity / Assets88.97%9.03%10.60%13.73%Beats 97%18 / 620
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%51.85%67.17%77.86%0th pctl574 / 620
Brokered Deposits / Depositsn/aNot reported for this institution