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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 $6.4MQ3 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