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Peak Trust Company, National Association

Anchorage, AK · Cert 59322

FDIC

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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 2026-10-10

Peak Trust Company, National Association

Anchorage, AK · Cert 59322

FDIC

Q3 2023

$7.3MAssets
n/aLoans
n/aDeposits
$6.5MEquity

NIM

0.00%Q2 ’220.00%Q3 ’224.21%Q3 ’23

Non-interest income vs. expense

2.04%Q2 ’224.35%Q3 ’2216.33%Q3 ’23+84%+286%

Executive Summary

  • Earnings: ROA of -9.68%, down 598 bps year over year; NIM at 4.21%.
  • Capital: tier 1 leverage ratio of 89.43%, down 939 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-9.68%-598 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+421 bps YoY

Efficiency Ratio (YTD, annualized)

255%-37,894 bps YoY

Tier 1 Leverage Ratio

89.43%-939 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-3.69%-5.35%-9.68%-9.87%-9.68%-598 bps
Return on Equity-3.71%-5.84%-10.58%-10.87%-10.67%-696 bps
Net Interest Margin0.00%1.32%3.82%4.05%4.21%+421 bps
Efficiency Ratio634%426%291%273%255%-37,894 bps
Non-Interest Burden3.67%7.02%13.50%14.05%14.15%+1,048 bps
Growth
Asset Growth (YoY)n/an/an/a0.66%-1.01%n/a
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 Ratio98.82%97.51%90.27%89.44%89.43%-939 bps
Total Risk-Based Capital99.58%97.51%90.27%89.44%89.43%-1,015 bps
Equity / Assets99.58%91.57%91.33%89.54%90.18%-939 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a