Preferred Legacy National Trust Bank, The

Canton, OH · Cert 59357

FDIC

Q2 2026

$11.5MAssets

$0KLoans

$0KDeposits

$10.1MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	-3.95%	-7.73%	-6.85%	1.77%	-10.01%	-1.11%	13.57%	12.64%	+1,088 bps
Return on Equity	-4.02%	-7.86%	-6.99%	1.85%	-10.80%	-1.22%	14.99%	14.01%	+1,216 bps
Net Interest Margin	2.52%	3.20%	2.62%	2.77%	2.25%	2.36%	1.67%	1.82%	-95 bps
Efficiency Ratio	112.65%	123.34%	118.21%	95.15%	128.24%	103.04%	70.68%	70.89%	-2,425 bps
Non-Interest Burden	6.42%	11.33%	9.38%	1.01%	12.15%	3.43%	-11.84%	-10.63%	-1,164 bps
Growth
Asset Growth (YoY)	n/a	n/a	-7.66%	-2.48%	-1.71%	41.46%	41.81%	36.91%	+3,939 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	100.12%	89.86%	100.10%	98.10%	94.21%	90.83%	94.99%	90.40%	-770 bps
Total Risk-Based Capital	98.64%	97.83%	98.05%	92.85%	92.48%	88.74%	92.21%	88.35%	-450 bps
Equity / Assets	98.64%	97.83%	98.05%	92.85%	92.48%	88.74%	92.21%	88.35%	-450 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	49.75%	64.95%	62.37%	56.31%	32.80%	48.57%	45.75%	42.70%	-1,360 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a