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Preferred Legacy National Trust Bank, The

Canton, OH · Cert 59357

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=71). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

49

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

Preferred Legacy National Trust Bank, The

Canton, OH · Cert 59357

FDIC

Q2 2026

$11.5MAssets
$0KLoans
$0KDeposits
$10.1MEquity

Executive Summary

  • Earnings: ROA of 13.07%, up 1,541 bps year over year; NIM at 1.68%.
  • Capital: tier 1 leverage ratio of 90.40%, down 770 bps from a year ago.

Return on Assets (YTD, annualized)

13.07%+1,541 bps YoY

Net Interest Margin (YTD, annualized)

1.68%-92 bps YoY

Efficiency Ratio (YTD, annualized)

70.79%-3,556 bps YoY

Tier 1 Leverage Ratio

90.40%-770 bps YoY

NIM

1.42%Q2 ’242.60%Q2 ’251.68%Q2 ’26+82%-35%

Non-interest income vs. expense

37.87%Q2 ’2437.60%Q2 ’2530.13%Q2 ’26-47%-322%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-6.08%-8.10%-6.85%-2.34%-5.12%-3.97%13.57%13.07%+1,541 bps
Return on Equity-6.16%-8.28%-6.99%-2.43%-5.39%-4.25%14.99%14.56%+1,699 bps
Net Interest Margin1.74%2.32%2.62%2.60%2.32%2.16%1.67%1.68%-92 bps
Efficiency Ratio121.04%121.62%118.21%106.35%114.07%110.95%70.68%70.79%-3,556 bps
Non-Interest Burden7.91%9.76%9.38%4.84%6.99%5.58%-11.84%-10.76%-1,560 bps
Growth
Asset Growth (YoY)n/an/a-7.66%-2.48%-1.71%41.46%41.81%36.91%+3,939 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 Ratio100.12%89.86%100.10%98.10%94.21%90.83%94.99%90.40%-770 bps
Total Risk-Based Capital98.64%97.83%98.05%92.85%92.48%88.74%92.21%88.35%-450 bps
Equity / Assets98.64%97.83%98.05%92.85%92.48%88.74%92.21%88.35%-450 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets49.75%64.95%62.37%56.31%32.80%48.57%45.75%42.70%-1,360 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

Preferred Legacy National Trust Bank, The

Canton, OH · Cert 59357 · Peer group: banks under $1B in assets in OH (n=71)

FDIC

Q2 2026

$11.5MAssets
$0KLoans
$0KDeposits
$10.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 96% of banks under $1B in assets in OH (rank 3 of 71).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in OH (rank 70 of 71).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

12.15%

Rank 3 of 71

Net Interest Margin

1.68%

Rank 70 of 71

Efficiency Ratio

70.79%

Rank 37 of 71

Equity / Assets

88.35%

Rank 3 of 71

Non-interest income vs. expense

$4.6M$3.4MINCOMEEXPENSE
Favorable gap of $1.2M · efficiency ratio beats 49% of banks under $1B in assets in OH
Bank 70.79%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets12.15%0.62%1.02%1.39%Beats 96%3 / 71
Return on Equity13.75%5.62%10.07%13.60%Beats 77%16 / 71
Net Interest Margin1.68%2.93%3.56%4.07%Beats 1%70 / 71
Efficiency Ratio70.79%55.94%70.77%78.80%Beats 49%37 / 71
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio88.35%11.18%13.77%20.34%Beats 96%3 / 71
Total Risk-Based Capital Ratio88.35%12.08%14.34%21.24%Beats 96%3 / 71
Equity / Assets88.35%8.41%10.74%13.32%Beats 96%3 / 71
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%55.33%65.58%72.51%0th pctl69 / 71
Brokered Deposits / Depositsn/aNot reported for this institution