Firstrust Savings Bank

Conshohocken, PA · Cert 26647

SI · FDIC · 18 branches

Q2 2026

$5.6BAssets

$4.6BLoans

$4.8BDeposits

$602.4MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.62%	1.69%	1.59%	1.28%	1.42%	-20 bps
Return on Equity	15.06%	15.88%	14.98%	12.10%	13.33%	-173 bps
Net Interest Margin	4.00%	3.96%	3.88%	4.01%	4.11%	+11 bps
Efficiency Ratio	55.31%	53.49%	54.22%	50.33%	54.76%	-56 bps
Non-Interest Burden	1.94%	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 / Loans	0.76%	0.57%	0.75%	0.74%	0.79%	+3 bps
Net Charge-Offs / Loans	0.08%	0.23%	0.30%	0.79%	0.42%	+34 bps
Allowance / Loans	1.86%	1.65%	1.64%	1.73%	1.59%	-27 bps
Allowance Coverage of NPLs	2.4x	2.9x	2.2x	2.3x	2.0x	-0.4x
Capital
Tier 1 Leverage Ratio	11.83%	11.60%	11.06%	11.31%	11.44%	-39 bps
Total Risk-Based Capital	13.70%	13.57%	13.22%	13.69%	13.06%	-65 bps
Equity / Assets	11.27%	10.37%	10.42%	10.77%	10.71%	-55 bps
Liquidity & Funding
Loans / Deposits	107.38%	104.36%	99.42%	93.67%	97.23%	-1,015 bps
Liquid Assets / Assets	5.33%	10.05%	8.14%	11.46%	8.06%	+273 bps
CRE / Total Capital	n/a	322%	331%	330%	n/a	n/a