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Letter portraitLegal landscapeQuarterYTD

Preferred Legacy National Trust Bank, The

Canton, OH · Cert 59357

FDIC

Q2 2026

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

NIM

2.66%Q2 ’242.77%Q2 ’251.82%Q2 ’26+4%-34%

Non-interest income vs. expense

37.66%Q2 ’2434.60%Q2 ’2530.32%Q2 ’26-86%-1154%

Executive Summary

  • Earnings: ROA of 12.64%, up 1,088 bps year over year; NIM at 1.82%.
  • Capital: tier 1 leverage ratio of 90.40%, down 770 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

12.64%+1,088 bps YoY

Net Interest Margin (quarter, annualized)

1.82%-95 bps YoY

Efficiency Ratio (quarter, annualized)

70.89%-2,425 bps YoY

Tier 1 Leverage Ratio

90.40%-770 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%-10.01%-1.11%13.57%12.64%+1,088 bps
Return on Equity1.85%-10.80%-1.22%14.99%14.01%+1,216 bps
Net Interest Margin2.77%2.25%2.36%1.67%1.82%-95 bps
Efficiency Ratio95.15%128.24%103.04%70.68%70.89%-2,425 bps
Non-Interest Burden1.01%12.15%3.43%-11.84%-10.63%-1,164 bps
Growth
Asset Growth (YoY)-2.48%-1.71%41.46%41.81%36.91%+3,939 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 Ratio98.10%94.21%90.83%94.99%90.40%-770 bps
Total Risk-Based Capital92.85%92.48%88.74%92.21%88.35%-450 bps
Equity / Assets92.85%92.48%88.74%92.21%88.35%-450 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets56.31%32.80%48.57%45.75%42.70%-1,360 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a