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Plante Moran Trust, National Association

Southfield, MI · Cert 57418

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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

28

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

Plante Moran Trust, National Association

Southfield, MI · Cert 57418

FDIC

Q2 2026

$19.5MAssets
$0KLoans
$0KDeposits
$17.4MEquity

Executive Summary

  • Earnings: ROA of 22.93%, down 40 bps year over year; NIM at 3.16%.
  • Capital: tier 1 leverage ratio of 86.90%, down 34 bps from a year ago.

Return on Assets (YTD, annualized)

22.93%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-44 bps YoY

Efficiency Ratio (YTD, annualized)

77.40%+355 bps YoY

Tier 1 Leverage Ratio

86.90%-34 bps YoY

NIM

3.90%Q2 ’243.59%Q2 ’253.16%Q2 ’26-8%-12%

Non-interest income vs. expense

80.70%Q2 ’2483.23%Q2 ’2599.74%Q2 ’26-68%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets14.58%16.61%22.91%23.33%22.57%23.66%19.93%22.93%-40 bps
Return on Equity17.85%20.49%29.00%28.36%27.57%29.16%25.86%28.30%-6 bps
Net Interest Margin3.66%3.76%3.55%3.59%3.32%3.48%3.00%3.16%-44 bps
Efficiency Ratio81.55%79.78%74.13%73.85%74.43%74.20%79.71%77.40%+355 bps
Non-Interest Burden-13.95%-16.64%-25.82%-25.88%-23.65%-25.99%-22.44%-25.96%-9 bps
Growth
Asset Growth (YoY)10.19%9.15%11.69%10.93%12.75%5.46%7.76%3.96%-697 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 Ratio82.73%78.39%82.84%87.24%84.85%75.52%80.24%86.90%-34 bps
Total Risk-Based Capital6367%13681%16244%17057%16372%15957%17579%19187%+212,967 bps
Equity / Assets79.12%78.84%79.10%88.93%80.87%78.13%76.07%89.29%+36 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets1.32%1.35%1.26%1.19%1.02%1.17%1.21%1.21%+2 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

Plante Moran Trust, National Association

Southfield, MI · Cert 57418 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$19.5MAssets
$0KLoans
$0KDeposits
$17.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 100% of banks under $1B in assets (rank 1 of 629).
  • Widest gap: efficiency ratio trails 72% of banks under $1B in assets (rank 452 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

23.55%

Rank 9 of 629

Net Interest Margin

3.16%

Rank 437 of 629

Efficiency Ratio

77.40%

Rank 452 of 629

Equity / Assets

89.29%

Rank 17 of 629

Non-interest income vs. expense

$25.3M$20.0MINCOMEEXPENSE
Favorable gap of $5.2M · efficiency ratio beats 28% of banks under $1B in assets
Bank 77.40%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets23.55%0.60%1.01%1.45%Beats 99%9 / 629
Return on Equity26.37%5.38%9.30%13.28%Beats 97%20 / 629
Net Interest Margin3.16%3.03%3.54%4.05%Beats 31%437 / 629
Efficiency Ratio77.40%58.35%67.79%79.08%Beats 28%452 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19187%11.24%13.84%18.77%Beats 100%1 / 629
Total Risk-Based Capital Ratio19187%11.58%14.43%19.66%Beats 100%1 / 629
Equity / Assets89.29%9.09%10.65%13.80%Beats 97%17 / 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