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First Financial Trust National Association

Wellesley, MA · Cert 27479

FDIC

Q2 2026

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

NIM

3.08%Q2 ’242.58%Q2 ’252.41%Q2 ’26-18%-8%

Non-interest income vs. expense

16.05%Q2 ’2416.30%Q2 ’2516.77%Q2 ’26+35%-14%

Executive Summary

  • Earnings: ROA of 6.55%, up 53 bps year over year; NIM at 2.87%.
  • Capital: tier 1 leverage ratio of 84.56%, down 335 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

6.55%+53 bps YoY

Net Interest Margin (quarter, annualized)

2.87%-27 bps YoY

Efficiency Ratio (quarter, annualized)

64.64%-105 bps YoY

Tier 1 Leverage Ratio

84.56%-335 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets6.02%7.13%7.75%4.89%6.55%+53 bps
Return on Equity6.88%8.21%8.99%5.69%7.68%+80 bps
Net Interest Margin3.13%2.81%3.02%2.53%2.87%-27 bps
Efficiency Ratio65.69%60.90%56.79%72.20%64.64%-105 bps
Non-Interest Burden-5.93%-7.69%-8.35%-4.73%-6.76%-82 bps
Growth
Asset Growth (YoY)10.78%10.96%11.23%10.27%10.63%-15 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio87.92%86.41%85.44%84.61%84.56%-335 bps
Total Risk-Based Capital87.92%86.41%85.44%84.61%84.56%-335 bps
Equity / Assets87.31%86.38%86.07%85.63%84.97%-234 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a