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Firstrust Savings Bank

Conshohocken, PA · Cert 26647

SI · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

67

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

Firstrust Savings Bank

Conshohocken, PA · Cert 26647

SI · FDIC · 18 branches

Q2 2026

$5.6BAssets
$4.6BLoans
$4.8BDeposits
$602.4MEquity
Loan mix
68%RE $2.9B26%C&I $1.1B6%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $3.5B27%Noninterest $1.3BQ2 2025Q2 2026

NIM

6.23%Q2 ’246.17%Q2 ’255.88%Q2 ’26+6%+3%

Non-interest income vs. expense

2.49%Q2 ’242.59%Q2 ’252.55%Q2 ’26+9%+5%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.7% share · #15 of 88 inst. · $4.5B of $685.1B

5.4% Montgomery
2.3% Philadelphia
2.0% Bucks
1.2% Camden

Executive Summary

  • Earnings: ROA of 1.42%, down 20 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.79% of loans (+3 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 11.44%, down 39 bps from a year ago.
  • Funding: loans stand at 97.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+11 bps YoY

Efficiency Ratio (YTD, annualized)

54.76%-56 bps YoY

Tier 1 Leverage Ratio

11.44%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.69%1.59%1.28%1.42%-20 bps
Return on Equity15.06%15.88%14.98%12.10%13.33%-173 bps
Net Interest Margin4.00%3.96%3.88%4.01%4.11%+11 bps
Efficiency Ratio55.31%53.49%54.22%50.33%54.76%-56 bps
Non-Interest Burden1.94%1.81%1.80%1.67%2.02%+9 bps
Growth
Asset Growth (YoY)1.67%12.11%6.18%6.05%8.12%+644 bps
Loan Growth (YoY)4.29%6.87%4.66%-0.52%5.33%+105 bps
Deposit Growth (YoY)6.13%11.62%13.41%15.21%16.33%+1,020 bps
Asset Quality
Nonperforming Loans / Loans0.76%0.57%0.75%0.74%0.79%+3 bps
Net Charge-Offs / Loans0.08%0.23%0.30%0.79%0.42%+34 bps
Allowance / Loans1.86%1.65%1.64%1.73%1.59%-27 bps
Allowance Coverage of NPLs2.4x2.9x2.2x2.3x2.0x-0.4x
Capital
Tier 1 Leverage Ratio11.83%11.60%11.06%11.31%11.44%-39 bps
Total Risk-Based Capital13.70%13.57%13.22%13.69%13.06%-65 bps
Equity / Assets11.27%10.37%10.42%10.77%10.71%-55 bps
Liquidity & Funding
Loans / Deposits107.38%104.36%99.42%93.67%97.23%-1,015 bps
Liquid Assets / Assets5.33%10.05%8.14%11.46%8.06%+273 bps
CRE / Total Capitaln/a322%331%330%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

Firstrust Savings Bank

Conshohocken, PA · Cert 26647 · Peer group: banks $1B-$10B in assets operating regionally (n=176)

SI · FDIC · 18 branches

Q2 2026

$5.6BAssets
$4.6BLoans
$4.8BDeposits
$602.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks $1B-$10B in assets operating regionally (rank 24 of 176).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating regionally (rank 160 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.43%

Rank 57 of 176

Net Interest Margin

4.11%

Rank 24 of 176

Efficiency Ratio

54.76%

Rank 59 of 176

Equity / Assets

10.71%

Rank 78 of 176

Non-interest income vs. expense

$29.1M$140.3MINCOMEEXPENSE
Unfavorable gap of $111.1M · efficiency ratio beats 67% of banks $1B-$10B in assets operating regionally
Bank 54.76%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.93%1.26%1.54%Beats 68%57 / 176
Return on Equity13.31%9.26%11.89%14.46%Beats 62%67 / 176
Net Interest Margin4.11%3.25%3.59%3.93%Beats 86%24 / 176
Efficiency Ratio54.76%52.79%59.55%67.66%Beats 67%59 / 176
Asset Quality
Nonperforming Loans / Loans0.79%0.30%0.64%1.32%Beats 42%103 / 176
Net Charge-Offs / Loans0.23%0.01%0.04%0.10%Beats 10%160 / 176
Capital
Tier 1 Capital Ratio11.80%11.15%12.72%14.15%Beats 38%110 / 176
Total Risk-Based Capital Ratio13.06%11.81%13.63%15.33%Beats 41%103 / 176
Equity / Assets10.71%9.16%10.35%11.80%Beats 56%78 / 176
Liquidity & Funding
Loans / Deposits97.23%80.94%89.73%97.21%76th pctl43 / 176
Loans / Assets82.39%69.25%75.12%80.82%82nd pctl32 / 176
Brokered Deposits / Depositsn/aNot reported for this institution