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Western Alliance Trust Company, National Association

Phoenix, AZ · Cert 57288

FDIC

Q2 2026

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

NIM

3.84%Q2 ’242.94%Q2 ’252.29%Q2 ’26-23%-22%

Non-interest income vs. expense

26.77%Q2 ’2433.57%Q2 ’2544.67%Q2 ’26-119%-613%

Executive Summary

  • Earnings: ROA of 14.55%, up 1,029 bps year over year; NIM at 2.29%.
  • Capital: tier 1 leverage ratio of 94.88%, down 190 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

14.55%+1,029 bps YoY

Net Interest Margin (quarter, annualized)

2.29%-65 bps YoY

Efficiency Ratio (quarter, annualized)

68.73%-1,726 bps YoY

Tier 1 Leverage Ratio

94.88%-190 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.25%12.96%10.33%15.70%14.55%+1,029 bps
Return on Equity4.45%13.91%11.34%17.15%16.05%+1,159 bps
Net Interest Margin2.94%2.51%2.31%2.25%2.29%-65 bps
Efficiency Ratio85.99%64.60%75.23%65.53%68.73%-1,726 bps
Non-Interest Burden-2.53%-15.56%-11.66%-18.50%-18.03%-1,551 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