Indiana, PA · Cert 27763 · Infirst Bcorp MHC
SI · FDIC · 10 branches
Q2 2026
Market Position · Johnstown, PA · 2026 SOD (annual) · 1.7% share · #11 of 13 inst. · $0.1B of $4.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.79% | 0.83% | 0.86% | 1.02% | +27 bps | |
| Return on Equity | 8.53% | 9.04% | 9.43% | 9.59% | 11.30% | +277 bps | |
| Net Interest Margin | 3.27% | 3.29% | 3.36% | 3.63% | 3.74% | +47 bps | |
| Efficiency Ratio | 69.75% | 68.89% | 68.96% | 68.92% | 65.28% | -448 bps | |
| Non-Interest Burden | 2.15% | 2.14% | 2.20% | 2.40% | 2.33% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.82% | 12.98% | 9.77% | 8.31% | 6.54% | -429 bps | |
| Loan Growth (YoY) | 11.84% | 10.91% | 8.77% | 6.78% | 5.91% | -593 bps | |
| Deposit Growth (YoY) | 11.36% | 13.90% | 9.93% | 7.93% | 5.88% | -548 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.34% | 0.15% | 0.15% | 0.10% | -14 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.18% | 1.17% | 1.15% | -6 bps | |
| Allowance Coverage of NPLs | 5.0x | 3.5x | 8.1x | 7.9x | 11.0x | +6.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.18% | 9.06% | 9.17% | 9.32% | 9.49% | +32 bps | |
| Total Risk-Based Capital | 14.53% | 14.65% | 14.98% | 15.15% | 15.17% | +64 bps | |
| Equity / Assets | 8.72% | 8.73% | 8.97% | 9.03% | 9.16% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.38% | 96.71% | 97.91% | 98.28% | 98.41% | +3 bps | |
| Liquid Assets / Assets | 3.26% | 4.26% | 3.23% | 1.59% | 2.14% | -112 bps | |
| CRE / Total Capital | n/a | 183.42% | 185.13% | 184.12% | n/a | n/a | |