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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 $6.4MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $518.6M15%Noninterest $94.1MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.72%Q2 ’255.92%Q2 ’26+10%+14%

Non-interest income vs. expense

2.95%Q2 ’242.60%Q2 ’252.64%Q2 ’26-18%+11%

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 1.18%, up 26 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.10% of loans (-14 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.18%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+48 bps YoY

Efficiency Ratio (quarter, annualized)

61.94%-367 bps YoY

Tier 1 Leverage Ratio

9.49%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.88%0.93%0.86%1.18%+26 bps
Return on Equity10.49%10.05%10.52%9.59%12.98%+248 bps
Net Interest Margin3.42%3.55%3.71%3.63%3.91%+48 bps
Efficiency Ratio65.61%67.29%69.14%68.92%61.94%-367 bps
Non-Interest Burden2.06%2.28%2.45%2.40%2.29%+22 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 / Loans0.24%0.34%0.15%0.15%0.10%-14 bps
Net Charge-Offs / Loans0.01%0.00%0.04%0.01%-0.01%-2 bps
Allowance / Loans1.21%1.20%1.18%1.17%1.15%-6 bps
Allowance Coverage of NPLs5.0x3.5x8.1x7.9x11.0x+6.0x
Capital
Tier 1 Leverage Ratio9.18%9.06%9.17%9.32%9.49%+32 bps
Total Risk-Based Capital14.53%14.65%14.98%15.15%15.17%+64 bps
Equity / Assets8.72%8.73%8.97%9.03%9.16%+44 bps
Liquidity & Funding
Loans / Deposits98.38%96.71%97.91%98.28%98.41%+3 bps
Liquid Assets / Assets3.26%4.26%3.23%1.59%2.14%-112 bps
CRE / Total Capitaln/a183.42%185.13%184.12%n/an/a