PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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