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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