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Infirst Bank

Indiana, PA · Cert 27763 · Infirst Bcorp MHC

SI · FDIC · 10 branches

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=581 to 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

58

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

Infirst Bank

Indiana, PA · Cert 27763 · Infirst Bcorp MHC

SI · FDIC · 10 branches

Q2 2026

$683.2MAssets
$602.9MLoans
$612.7MDeposits
$62.6MEquity
Loan mix
89%RE $525.7M10%C&I $58.5M1%Consumer $6.4MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $518.6M15%Noninterest $94.1MQ3 2024Q2 2026

Market Position · Johnstown, PA · 2026 SOD (annual) · 1.7% share · #11 of 13 inst. · $0.1B of $4.1B

13.3% Indiana
7.6% Jefferson
1.7% Cambria
0.5% Westmoreland

Executive Summary

  • Earnings: ROA of 1.02%, up 27 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.10% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.49%, up 32 bps from a year ago.
  • Funding: loans stand at 98.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+47 bps YoY

Efficiency Ratio (YTD, annualized)

65.28%-448 bps YoY

Tier 1 Leverage Ratio

9.49%+32 bps YoY

NIM

5.19%Q2 ’245.54%Q2 ’255.79%Q2 ’26+6%+14%

Non-interest income vs. expense

2.89%Q2 ’242.59%Q2 ’252.67%Q2 ’26-12%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.55%0.57%0.75%0.79%0.83%0.86%1.02%+27 bps
Return on Equity5.36%6.09%6.52%8.53%9.04%9.43%9.59%11.30%+277 bps
Net Interest Margin3.07%3.06%3.21%3.27%3.29%3.36%3.63%3.74%+47 bps
Efficiency Ratio81.22%78.87%74.50%69.75%68.89%68.96%68.92%65.28%-448 bps
Non-Interest Burden2.40%2.30%2.30%2.15%2.14%2.20%2.40%2.33%+17 bps
Growth
Asset Growth (YoY)11.31%11.78%10.87%10.82%12.98%9.77%8.31%6.54%-429 bps
Loan Growth (YoY)9.10%10.22%11.69%11.84%10.91%8.77%6.78%5.91%-593 bps
Deposit Growth (YoY)12.08%13.82%11.82%11.36%13.90%9.93%7.93%5.88%-548 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.25%0.27%0.24%0.34%0.15%0.15%0.10%-14 bps
Net Charge-Offs / Loans0.07%0.07%0.02%0.02%0.01%0.02%0.01%0.00%-2 bps
Allowance / Loans1.25%1.22%1.20%1.21%1.20%1.18%1.17%1.15%-6 bps
Allowance Coverage of NPLs4.1x4.8x4.5x5.0x3.5x8.1x7.9x11.0x+6.0x
Capital
Tier 1 Leverage Ratio9.36%9.31%9.19%9.18%9.06%9.17%9.32%9.49%+32 bps
Total Risk-Based Capital15.26%14.85%14.54%14.53%14.65%14.98%15.15%15.17%+64 bps
Equity / Assets9.00%8.84%8.77%8.72%8.73%8.97%9.03%9.16%+44 bps
Liquidity & Funding
Loans / Deposits99.32%98.95%99.34%98.38%96.71%97.91%98.28%98.41%+3 bps
Liquid Assets / Assets2.54%2.47%2.07%3.26%4.26%3.23%1.59%2.14%-112 bps
CRE / Total Capitaln/an/an/an/a183.42%185.13%184.12%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

Infirst Bank

Indiana, PA · Cert 27763 · Peer group: banks under $1B in assets (n=581-629) · Infirst Bcorp MHC

SI · FDIC · 10 branches

Q2 2026

$683.2MAssets
$602.9MLoans
$612.7MDeposits
$62.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of banks under $1B in assets (rank 159 of 581).
  • Widest gap: equity / assets trails 74% of banks under $1B in assets (rank 463 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.01%

Rank 317 of 629

Net Interest Margin

3.74%

Rank 253 of 629

Efficiency Ratio

65.28%

Rank 265 of 629

Equity / Assets

9.16%

Rank 463 of 629

Non-interest income vs. expense

$2.3M$18.1MINCOMEEXPENSE
Unfavorable gap of $15.8M · efficiency ratio beats 58% of banks under $1B in assets
Bank 65.28%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.01%0.60%1.01%1.45%Beats 50%317 / 629
Return on Equity11.00%5.38%9.30%13.28%Beats 61%248 / 629
Net Interest Margin3.74%3.03%3.54%4.05%Beats 60%253 / 629
Efficiency Ratio65.28%58.35%67.79%79.08%Beats 58%265 / 629
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.46%1.20%Beats 73%159 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 56%257 / 581
Capital
Tier 1 Capital Ratio13.91%11.24%13.84%18.77%Beats 51%310 / 629
Total Risk-Based Capital Ratio15.17%11.58%14.43%19.66%Beats 54%288 / 629
Equity / Assets9.16%9.09%10.65%13.80%Beats 26%463 / 629
Liquidity & Funding
Loans / Deposits98.41%67.24%80.90%93.48%83rd pctl100 / 594
Loans / Assets88.25%53.31%67.71%78.15%97th pctl18 / 629
Brokered Deposits / Depositsn/aNot reported for this institution