The Trust Company of Toledo, N.A.
The Trust Company of Toledo, N.A. is an FDIC-insured bank headquartered in Holland, OH, with $11.0M in total assets at Q3 2026, up 12.0% from Q3 2025.
BankRegReports is independent of The Trust Company of Toledo, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Holland, OH
- Established
- Not reported
- Total assets, Q3 2026
- $11.0M
- Assets vs Q3 2025
- +12.0%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 041248863
- Latest call report
- Q3 2026, FFIEC 041 · The Trust Company of Toledo, N.A. call report
The Trust Company of Toledo, N.A. runs leaner than most banks of its size. It reported $11 million in assets at September 30, 2026, up 12.0% from a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 68 cents). It also holds common equity equal to 130.22% of its risk-weighted assets, 6.0 times the median of 21.64% for banks its size.
Net income for the quarter rose 26% from a year earlier, to $2.3 million.
As of September 30, 2026, The Trust Company of Toledo, N.A. reported a CET1 capital ratio of 130.22%, a return on assets of 90.96% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 22.3% to $11.0M. By the capital ratios in its Q3 2026 call report, The Trust Company of Toledo, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Toledo, OH
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Employees (FTE)
- 27
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $9.9M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 1820979
Asset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch The Trust Company of Toledo, N.A.: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The Trust Company of Toledo, N.A.'s total assets ranged from $5.1M (Q4 2023) to $11.0M (Q3 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$11.0M total assets against $9.8M; $1.1M total liabilities against $892K.
$0 net loans and leases against $0; $0 total deposits against $0.
$9.7M securities against $8.4M; $912K cash and balances due against $1.0M.
$76K total interest income against $69K; $0 total interest expense against $0.
$76K net interest income against $69K.
$4.2M total noninterest income against $3.7M; $2.0M total noninterest expense against $2.0M.
No provision recorded in the last 12 quarters.
$2.3M net income against $1.8M.
90.96% return on assets against 80.98%; 3.56% net interest margin against 3.71%.
130.22% CET1 capital ratio against 147.92%; 100.68% tier 1 leverage ratio against 100.36%.
Inside the full The Trust Company of Toledo, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -0.58% (Q4 2024) to 128.83% (Q1 2026) and its net interest margin ran from 3.17% (Q1 2026) to 4.62% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 130.22% | 90.96% | — | 0.00% | 3.56% |
| Q2 2026 | 149.99% | 94.39% | — | 0.00% | 3.68% |
| Q1 2026 | 171.11% | 128.83% | — | 0.00% | 3.17% |
| Q4 2025 | 278.46% | 3.42% | — | 0.00% | 4.47% |
| Q3 2025 | 147.92% | 80.98% | — | 0.00% | 3.71% |
| Q2 2025 | 156.07% | 72.14% | — | 0.00% | 3.59% |
| Q1 2025 | 190.57% | 112.62% | — | 0.00% | 3.32% |
| Q4 2024 | 262.02% | -0.58% | — | 0.00% | 4.62% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about The Trust Company of Toledo, N.A.
What are The Trust Company of Toledo, N.A.'s total assets?
As of the Q3 2026 filing, The Trust Company of Toledo, N.A. reported total assets of $11.0 million in its FFIEC call report.
Where is The Trust Company of Toledo, N.A. headquartered?
It is headquartered in Holland, OH, United States.
What is The Trust Company of Toledo, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 130.22% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is The Trust Company of Toledo, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
Go deeper on The Trust Company of Toledo, N.A.
Get an email when The Trust Company of Toledo, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock The Trust Company of Toledo, N.A., freeFree account