Western Alliance Trust Company, National Association

Phoenix, AZ · Cert 57288

FDIC

Q2 2026

$64.0MAssets

$0KLoans

$0KDeposits

$57.0MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
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 Margin	3.74%	3.59%	2.87%	2.90%	2.73%	2.49%	2.25%	2.23%	-67 bps
Efficiency Ratio	165.77%	153.88%	100.30%	92.39%	80.55%	78.77%	65.53%	67.22%	-2,517 bps
Non-Interest Burden	14.79%	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/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	95.98%	94.03%	95.91%	96.79%	97.90%	94.51%	94.59%	94.88%	-190 bps
Total Risk-Based Capital	95.98%	94.03%	95.91%	96.79%	97.90%	94.51%	94.59%	94.88%	-190 bps
Equity / Assets	96.68%	79.98%	96.31%	94.83%	91.59%	90.58%	92.49%	88.97%	-585 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	16.37%	12.00%	12.72%	11.19%	13.65%	19.66%	14.33%	12.77%	+158 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a