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First Financial Trust National Association

Wellesley, MA · Cert 27479

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=629). 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

49

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

First Financial Trust National Association

Wellesley, MA · Cert 27479

FDIC

Q2 2026

$19.5MAssets
$0KLoans
$0KDeposits
$16.6MEquity

Executive Summary

  • Earnings: ROA of 5.72%, down 66 bps year over year; NIM at 2.67%.
  • Capital: tier 1 leverage ratio of 84.56%, down 335 bps from a year ago.

Return on Assets (YTD, annualized)

5.72%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.67%-38 bps YoY

Efficiency Ratio (YTD, annualized)

68.29%+404 bps YoY

Tier 1 Leverage Ratio

84.56%-335 bps YoY

NIM

2.93%Q2 ’242.51%Q2 ’252.25%Q2 ’26-16%-12%

Non-interest income vs. expense

16.68%Q2 ’2416.05%Q2 ’2517.10%Q2 ’26+15%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets7.71%8.06%6.75%6.38%6.63%6.92%4.89%5.72%-66 bps
Return on Equity8.67%9.08%7.68%7.28%7.59%7.95%5.69%6.69%-59 bps
Net Interest Margin3.46%3.39%3.00%3.05%2.88%2.83%2.53%2.67%-38 bps
Efficiency Ratio60.08%58.02%62.81%64.24%63.08%61.45%72.20%68.29%+404 bps
Non-Interest Burden-7.64%-8.04%-6.99%-6.42%-6.70%-6.95%-4.73%-5.70%+73 bps
Growth
Asset Growth (YoY)11.87%11.63%11.87%10.78%10.96%11.23%10.27%10.63%-15 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio87.73%87.81%87.10%87.92%86.41%85.44%84.61%84.56%-335 bps
Total Risk-Based Capital87.73%87.81%87.10%87.92%86.41%85.44%84.61%84.56%-335 bps
Equity / Assets88.20%88.11%87.68%87.31%86.38%86.07%85.63%84.97%-234 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets14.86%15.15%15.49%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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

First Financial Trust National Association

Wellesley, MA · Cert 27479 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$19.5MAssets
$0KLoans
$0KDeposits
$16.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks under $1B in assets (rank 23 of 629).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets (rank 548 of 629).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

5.60%

Rank 31 of 629

Net Interest Margin

2.67%

Rank 548 of 629

Efficiency Ratio

68.29%

Rank 323 of 629

Equity / Assets

84.97%

Rank 23 of 629

Non-interest income vs. expense

$4.3M$3.3MINCOMEEXPENSE
Favorable gap of $1.1M · efficiency ratio beats 49% of banks under $1B in assets
Bank 68.29%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets5.60%0.60%1.01%1.45%Beats 95%31 / 629
Return on Equity6.59%5.38%9.30%13.28%Beats 31%435 / 629
Net Interest Margin2.67%3.03%3.54%4.05%Beats 13%548 / 629
Efficiency Ratio68.29%58.35%67.79%79.08%Beats 49%323 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio84.56%11.24%13.84%18.77%Beats 93%43 / 629
Total Risk-Based Capital Ratio84.56%11.58%14.43%19.66%Beats 93%43 / 629
Equity / Assets84.97%9.09%10.65%13.80%Beats 96%23 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution